Mashreq Home Loans
Info CheckedMortgage Brokers
Deira, Dubai
About
Mashreq Bank is one of the UAE's oldest and most established banks, and their home loan division provides fast, flexible mortgage solutions for residents, UAE nationals, and non-resident investors. With a streamlined digital application process, Mashreq promises home loan approval in as little as 10 minutes — one of the fastest in the market.
Mashreq offers home loans for properties in Dubai and Abu Dhabi, with loan amounts up to AED 10 million and repayment tenures of up to 25 years. Their Mashreq Al Islami division provides fully Sharia-compliant home finance alternatives for buyers seeking Islamic banking solutions.
Mortgage Services
- Residential home loans up to AED 10M with 25-year tenure
- Non-resident home loans for investment or second-home purchases
- Mashreq Al Islami home finance (Sharia-compliant)
- Mortgage refinancing and bank transfer
- Construction and renovation financing
- Gold and Priority Banking enhanced mortgage terms
Bank Partnerships
Mashreq is a direct lender. All home loans are originated and funded by Mashreq Bank or Mashreq Al Islami directly. No broker intermediary is involved — borrowers deal directly with the bank's mortgage processing team.
Key Differentiators
- Ultra-fast digital application — approval in as little as 10 minutes
- Both conventional and Islamic home finance from the same banking group
- Non-resident mortgage programme for international investors
- Established in 1967 — one of the UAE's most experienced banking institutions
Services Offered
Key services Mashreq Home Loans provides for mortgage brokers clients in Dubai:
Why Choose Mashreq Home Loans
- One of the UAE's oldest banks, established in 1967, lending its own home-loan products as a direct lender.
- Financing for UAE residents, nationals, expatriates and non-residents earning income outside the UAE.
- Conventional mortgages plus Sharia-compliant home finance through Mashreq Al Islami (Ijara lease-based structure).
- Fully digital home-loan pre-approval, positioned as a UAE-first by the bank.
- Fixed and variable rate options, refinancing, and a dedicated Green Home Loan for certified eco-friendly properties.
How Mashreq Home Loans Works
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1
Pre-approval
Apply for digital home-loan pre-approval to confirm your eligibility and indicative borrowing amount before house-hunting. Pre-approvals under current market practice are typically valid for around 60 days.
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2
Property selection & valuation
Choose your property and have it valued; the bank assesses the loan-to-value within Central Bank limits.
-
3
Offer & documentation
Receive your final offer, complete income and property documentation, and arrange the required life and property insurance.
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4
Disbursement & registration
Funds are released and the mortgage is registered with the Dubai Land Department to complete the purchase.
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 for a home loan in Dubai?
Under current Central Bank of the UAE rules, expat buyers can typically borrow up to 80% loan-to-value on a first property priced at or below AED 5 million (85% for UAE nationals), with lower caps of roughly 60–65% on second or subsequent properties. Off-plan purchases are usually limited to around 50%. Your actual amount depends on income and the bank's assessment.
Does Mashreq lend to non-residents?
Yes. Mashreq offers mortgages to non-residents earning income outside the UAE, for example to finance a residential investment property or a second home, though terms typically differ from those for residents.
Is Mashreq a bank or a mortgage broker?
Mashreq is a bank and direct lender regulated by the Central Bank of the UAE. It lends its own home-loan products rather than comparing offers across multiple banks as a broker would.
Does Mashreq offer Islamic (Sharia-compliant) home finance?
Yes. Sharia-compliant home finance is offered through Mashreq Al Islami, structured on the Ijara (lease-based financing) concept, where the financier buys the property and leases it to you.
What is the maximum mortgage tenure?
Mashreq home loans are available for tenures of up to 25 years, subject to age and eligibility criteria.
What is the Debt Burden Ratio (DBR) limit for a mortgage?
Under Central Bank of the UAE rules, total monthly debt repayments are generally capped at 50% of your monthly income, which lenders factor into your maximum borrowing.
What fees apply when taking a mortgage?
Typical costs include the DLD mortgage-registration fee of 0.25% of the loan amount plus AED 290, a property valuation fee (around AED 2,500–3,500), and a bank arrangement fee (typically about 1% of the loan). Lenders also generally require life and property insurance.
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