At AL GHAF, Expert guidance to help you secure the best mortgage deals and make informed financial decisions.
Personalized advice to navigate banking services, finances, and secure terms for loans and accounts.
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Al Ghaf Mortgage is a mortgage advisory team on Al Ittihad Road, Dubai. We help you understand what a UAE bank will lend, prepare your application and compare financing options before you commit.
A mortgage advisor reviews your income, debts and target property, explains how UAE banks assess applications, and helps you prepare documents and choose a suitable mortgage.
Central Bank of the UAE limits: an expatriate buying a first home up to AED 5 million can borrow up to 80% (20% deposit). Above AED 5 million the cap is 70%; second homes 65%; off-plan 50%.
For expatriates, UAE banks generally cap total monthly debt repayments, including the new mortgage, at 50% of gross monthly income.
Individual banks may apply stricter criteria. Last updated: 12 October 2026.
Get the Funds you need quickly with our Hassle-free Application Process.
Fast, hassle-free mortgage approvals to secure your dream home quickly.
Customized mortgage plans with terms that fit your needs and lifestyle.
Get the best mortgage rates to help you save more on your home loan.
Trusted advice to help you navigate the mortgage process with confidence.
