Home Insights
Plain explanations of how a UAE mortgage actually works, written by the advisors arranging them. No lead-capture wall in front of any of it.
Deposit is the number everyone plans for. The other 6% to 7% — DLD transfer, agency commission, trustee, mortgage registration, processing and valuation — is the one that catches people out the week before transfer. Here is every fee with its basis, and which of them are negotiable.
18 September 2026
Lenders assess you at roughly two points above your actual rate. Here is how that interacts with your credit card limits — and why closing an unused card can move your ceiling more than a raise.
A three-year fix covers three years of a twenty-five year loan. The follow-on margin is what prices the rest, and it is the number least often quoted.
Lower loan-to-value, a narrower panel, approved developer lists, and payment-percentage thresholds before a bank will look at it. What to check before you sign.
Early settlement is capped at 1% or AED 10,000, whichever is lower. Add new processing and valuation fees, and the saving has to clear roughly AED 25,000 before a switch makes sense.
Typically 65% loan-to-value from a narrower panel, heavier documentation and longer timelines. A realistic view of what is available.
Ijara, Murabaha and Forward Ijara priced against conventional lending. Why the headline profit rate is the wrong comparison, and what to compare instead.
Articles are illustrative while the editorial archive is being migrated.
Compare 18 lenders, upload documents with your camera, and watch your file move — all from the TRIPLE app.
Six steps to your real monthly payment and the cash you need on the day.