Emirates NBD Home Loans
Info CheckedMortgage Brokers
Deira, Dubai
About
Emirates NBD is one of the largest banking groups in the Middle East and a leading home loan provider in the UAE. As a direct lender — not a broker — Emirates NBD offers mortgage products directly from its own balance sheet, giving borrowers access to competitive rates without intermediary fees. The bank serves UAE nationals, residents, and expatriates across Dubai and the wider Emirates.
With a comprehensive suite of home loan products, Emirates NBD caters to first-time buyers through its DET First-Time Home Buyers Programme, experienced investors seeking portfolio expansion, and homeowners looking to refinance. Their Priority Banking division offers enhanced terms for high-value clients.
Mortgage Services
- Home loans for UAE nationals (up to 85% LTV, AED 20M limit)
- Expatriate home loans with competitive fixed and variable rates
- Non-resident mortgage products for overseas investors
- Commercial property loans for office and retail spaces
- Mortgage refinancing and rate switching
- First-Time Home Buyers Programme in partnership with DET
Bank Partnerships
Emirates NBD is a direct lender. All home loan products are originated and funded by Emirates NBD Bank directly. No broker intermediary is involved — applications go straight to the bank's underwriting team.
Key Differentiators
- Direct lender — no broker fees, deal directly with the bank
- One of the UAE's largest banks with AED 900B+ in assets
- Dedicated Priority Banking mortgage team for high-value transactions
- Extensive branch network across Dubai for in-person support
Services Offered
Key services Emirates NBD Home Loans provides for mortgage brokers clients in Dubai:
Why Choose Emirates NBD Home Loans
- One of the largest banking groups in the Middle East, majority-owned by the Government of Dubai.
- A direct lender funding its own home-loan products — not a broker — for residents, UAE nationals and non-residents.
- Fixed- and variable-rate options, with mortgages reported up to AED 20 million and financing up to 80% loan-to-value for eligible buyers.
- Pre-approval facility so buyers can shop with a confirmed budget.
- Sharia-compliant home finance available through its Emirates Islamic subsidiary.
- Nationwide branch network plus digital application and home-loan calculator tools.
How Emirates NBD Home Loans Works
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1
Get pre-approved
Submit income and ID documents to receive a pre-approval indicating how much you can borrow.
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2
Find your property
Shortlist a property within your approved budget and agree terms with the seller.
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3
Property valuation
The bank arranges a valuation of the property to confirm the financing amount.
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4
Final offer & signing
Review and accept the final loan offer, then complete the mortgage and insurance documentation.
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5
Disbursal & registration
Funds are released and the mortgage is registered with the Dubai Land Department on completion.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Licenses & Certifications
Licenses and certifications are subject to renewal. Verify current status with the issuing authority before engagement.
Frequently Asked Questions
How much can I borrow with an Emirates NBD home loan?
Emirates NBD is a direct lender offering its own mortgage products. Reported terms include financing up to around AED 20 million and up to 80% loan-to-value for eligible residents, subject to the bank’s assessment and current Central Bank rules. Exact amounts depend on your income and the property; request a quote for your case.
What is the maximum LTV (loan-to-value) for a mortgage in the UAE?
Under current Central Bank of the UAE rules, expats can typically borrow up to 80% LTV on a first property priced at or below AED 5 million (85% for UAE nationals), with lower caps of around 60–65% on a second or subsequent property and roughly 50% on off-plan. Emirates NBD lends within these caps.
Can non-residents get a mortgage from Emirates NBD?
Yes. Emirates NBD offers non-resident mortgages that let buyers living outside the UAE finance a UAE property. Eligibility, deposit and documentation requirements differ from resident loans, so a quote is provided based on your circumstances.
Does Emirates NBD offer Islamic (Sharia-compliant) home finance?
Sharia-compliant home finance is available through Emirates Islamic, an Emirates NBD Group subsidiary, as an alternative to a conventional interest-based mortgage.
What is the Debt Burden Ratio (DBR) and how does it affect me?
Under Central Bank rules your total monthly debt repayments — including the new mortgage — are generally capped at 50% of your monthly income. This affects the maximum loan a bank such as Emirates NBD can approve.
What fees apply when taking out a UAE mortgage?
Beyond the deposit, buyers generally pay a Dubai Land Department mortgage registration fee of 0.25% of the loan amount plus AED 290, a property valuation fee (typically around AED 2,500–3,500), and a bank arrangement fee (typically around 1% of the loan). Life and property insurance are usually required. These are general market figures, not the bank’s quoted pricing.
Can I refinance or transfer my existing mortgage to Emirates NBD?
Yes. Emirates NBD offers a home loan balance transfer (buy-out) that lets borrowers move an existing mortgage from another lender, potentially for a better rate or a top-up, subject to eligibility.
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