Your Financial Compass
Home loans for salaried expats in the UAE
Aknaz Mortgage Experts is a RERA- and DET-licensed mortgage brokerage in Business Bay, Dubai, specialising in home loans for salaried expats in the UAE. We check your eligibility under the Central Bank's 50% debt-burden and income rules, compare offers from UAE banks and manage the application through to handover.
How we help you buy with a mortgage
1. Check your eligibility
We work out what you can borrow from your salary, existing loans and card limits before you view property, so you know your budget and your deposit in dirhams. The online pre-qualification takes about two minutes and needs no documents.
2. Compare UAE banks
Banks differ on salary minimums, approved employers, fixed-rate periods, early-settlement fees and the rate a loan reverts to. We compare the offers that fit your profile and show you the full cost, not only the headline rate.
3. Manage the application to handover
We collect your documents, submit the application, follow the valuation and the final offer, and coordinate with the seller, the agent and the trustee office until the transfer at the Dubai Land Department.
What decides how much you can borrow?
Three limits apply at the same time, and the lowest one is the most a UAE bank can lend you. Your total monthly debt repayments, including the new mortgage, must stay within 50% of your gross monthly income. Expats can borrow at most 7× annual income. And the loan cannot exceed the loan-to-value limit for the property, which depends on its price, whether it is your first home and whether it is off-plan.
| Rule | Figure | Source |
|---|---|---|
| Maximum debt-burden ratio (all monthly repayments ÷ gross monthly income) | 50% [VERIFY] | CBUAE Mortgage Loans Regulation |
| Maximum loan, expats | 7× annual income [VERIFY] | CBUAE Mortgage Loans Regulation |
| Maximum loan-to-value, expat first home up to AED 5,000,000 | 80% [VERIFY] | CBUAE Mortgage Loans Regulation |
| Maximum loan-to-value, off-plan | 50% [VERIFY] | CBUAE Mortgage Loans Regulation |
| Purchase fees charged on the price (DLD transfer + agency, before VAT and fixed fees) | 6% [VERIFY] | Dubai Land Department fee schedule |
Figures marked [VERIFY] are being confirmed against the CBUAE rulebook. The guide to the DBR rule and the income cap shows the arithmetic with a worked example.
Latest guides
- How do the 50% DBR rule and 7x income cap work? — updated 14 October 2026
- What is the minimum salary for a UAE mortgage? — updated 14 October 2026
Who we are
Aknaz Mortgage Experts is a RERA- and DET-licensed mortgage brokerage in Business Bay, Dubai, specialising in home loans for salaried expats in the UAE. Our office is in the Tamani Arts Building, Bay Square, Business Bay. You speak to a licensed mortgage advisor, in English, by phone, email or in person by appointment.
RERA licence no. [VERIFY] · DET trade licence no. [VERIFY]
We publish genuine client reviews only, posted by clients themselves. Calculator results on this site are estimates, not an offer of finance; banks make the final lending decision.