Finance & FeesUpdated March 1, 2026· 3 min read
Mortgage LTV
Also known as: Loan-to-Value, LTV
What is Mortgage LTV?
Mortgage LTV (Loan-to-Value) is the percentage of a Dubai property's value that a UAE bank will finance. UAE regulations cap LTVs at 80% for residents on their first property under AED 5M, 50% for non-residents and 70% on off-plan (after a specified construction stage).
Definition
The remaining down payment is funded by the buyer. UAE Central Bank rules govern the maximum LTV based on residency, property value, first-home status and property type.
Key Facts
- 1Residents: up to 80% LTV on first property under AED 5M.
- 2Non-residents: up to 50%.
- 3Off-plan: up to 70% after ~50% construction.
Frequently Asked Questions
Can non-residents get a UAE mortgage?
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Yes, some UAE banks lend to non-residents at up to 50% LTV, subject to income verification.
References & Further Reading
- Dubai Land Department (DLD) — official transaction & title records.
- Real Estate Regulatory Agency (RERA) — Ejari, Mollak & rental index.
- Department of Economy and Tourism (DET) — Holiday Home permits.
- Federal Authority for Identity, Citizenship, Customs & Port Security (ICP) — visa rules.
This entry is editorial and informational. It does not constitute legal, financial or tax advice.