Capital Zone

EIBOR as on 12th  June 2026: 1 MONTH : 3.67% | 3 MONTHS : 3.74% | 6 MONTHS : 3.75% | 1 YEAR : 3.95%

info@capitalzone.ae | +971 04 267 0411
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Trusted Mortgage Solutions in Dubai & UAE by Capital Zone

Capital Zone is a trusted Mortgage Broker in Dubai and the UAE, delivering smart, transparent, and personalized mortgage solutions for home buyers, expatriates, and property investors. Whether you’re purchasing your first home, refinancing an existing mortgage, or exploring non-resident property financing, our mortgage experts simplify every step of the process. With tailored home loan solutions, access to leading UAE banks, and a client-first approach, Capital Zone is committed to helping you make confident property financing decisions across the UAE.

Mortgages to help you Build, Buy, or Refinance

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Your results are our top priority!

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Our Services

We will be glad to provide you with the most optimal solution either for your mortgage or money loans matters.

New Purchase

Whether It's first or second mortgage we are here to help you to get the best rates and conditions and guide through the whole process of getting new property.

Equity Release

Releasing equity from property can good idea to renovate the property or fund another purchase. You can avail up to 70%-80% loan to value of existing property.

Re-Mortgage

Refinancing your home is simply getting a mortgage deal to replace the original mortgage. Refinancing is done to allow a borrower get a better rate to save interest.

Non-Resident Mortgage

Non resident can get up to 65% loan to value for purchasing a property in the UAE. Mortgage for non resident in uae

Loans on Rental Income

The rental income can be used along with other income, such as your salary to increase your borrowing power or else mortgage out of the rental income purely are also available.

Construction & Off-Plan

Arrange up to 50% loan to value (LTV) for the off plan or under construction property. The LTV can be increased after the handover. mortgage for non residents in uae

Commercial & Finance

We also assist our clients in planning and arranging finance for residential as well as commercial developments.

Land Financing

When you own a piece of land, you can build a space that is uniquely yours, We help to acquire the land for you so that you can start turning your dream into reality.

How To Get Approved?

Leading Mortgage Broker in Dubai​

Down Payment

Your Down Payment is your First Stake in your New Home. A higher down payment can also help lower your monthly mortgage payments.

Credit Score

The good credit score demonstrates Credit Worthiness, & responsible debt management, & likely you Can get a good Interest Rate.

Employment History

A work history provides lenders with confidence in an individual’s ability to repay mortgage. Work History tells how you able to get mortgage.

Debt Burden Ratio

We assess your affordability by considering the debt-to-income ratio and ensuring you can comfortably cover your mortgage payments.

All your Banking Options In One place

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Frequently Asked Questions

For a first-time buyer (expat), the required down payment for property in Dubai is 20% of the purchase price for properties valued under AED 5 million. This corresponds to an 80% Loan-to-Value (LTV) ratio. For UAE nationals, the down payment is lower at 15% (85% LTV). If the property is valued above AED 5 million, the required deposit for expats increases to 35%.

Eligibility is open to UAE Nationals, Expat Residents, and Non-Resident Investors who meet the following criteria:

  • Age: Between 21 and 65 years old (70 for self-employed) at loan maturity.

  • Income: Minimum monthly salary typically starting from AED 15,000.

  • Employment: Minimum 6 months in your current role or 2 years for business owners.

  • Credit Score: A healthy AECB credit history with no recent defaults.

  • Affordability: Total monthly debts must not exceed 50% of your monthly income.

Beyond the down payment, the cost of buying property in Dubai includes several mandatory fees. You should budget for 4% DLD fees, a 2% real estate commission, and a mortgage registration fee of 0.25% of the loan amount. Additionally, banks charge a valuation fee (approx. AED 3,000) and a processing fee (typically 1% of the loan amount). These ratios are regulated by CBUAE.

The choice between fixed vs variable mortgage rates depends on your financial goals. A fixed-rate mortgage offers interest rate stability for 1 to 5 years, protecting you from market spikes. A variable-rate mortgage is EIBOR linked, meaning your payments will fluctuate based on the daily UAE benchmark rates. Many borrowers in 2026 prefer a hybrid model: starting with a fixed rate and transitioning to variable.

Yes, you can qualify for a Golden Visa through property investment even if the property is under a mortgage. The total value of the property must be at least AED 2 million. Under current regulations, you can apply for the 10-year residency once the property is registered in your name, provided you have a Letter of No Objection (NOC) from your bank and meet the minimum equity requirements.