Compare & Get the Lowest Rate for Home Loans in the UAE

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End to end fulfilment
End to end fulfilment

We directly manage the entire process right from application stage to loan disbursement.

Easy application
Easy application

In a few simple steps you are minutes away from applying to a personal loan online.

Easy & quick comparision
Easy & quick comparision

We provide a side-by-side comparison feature to help you choose the best loan for you.


BankOnUs offers a range of mortgage related products through their partnerships with various product providers and intermdieries

New Purchases

Identifying the correct bank for your mortgage can be a daunting task. BankOnUs works with multiple banks & intermediaries to ensure that you have the widest choice of products, so that you find the perfect product that meets your needs.


BankOnUs will be able to provide you with cost effective alternatives for your existing mortgage if you meet certain basic norms. Interest rates continue to change on a dynamic basis and its our job to ensure we identify options that can bring down the cost of your mortgage.

Buy to let mortgages

Buy to let mortgages are available for investors in the UAE. We secure the lowest rates for our clients to optimize investment returns.


Commercial properties can be excellent investments. BankOnUs can help you identify mortgages for warehouses, retail outlets and offices, up to 75% loan to value. Properties must be completed or close to handover.


We offer the most competitive rates and terms up to 75% loan to value from multiple banks for individuals residing overseas, looking to purchase a property in the UAE. Applicable for either investment or holiday home purchases.

Under construction property

We can arrange finance of up to 50% on approved developments for under construction properties.

Our Guides

Home Loans FAQs

Flat and reducing rates of interest are two methods of how interest can be calculated on a mortgage.

A flat rate of interest is where the rate of interest to be paid remains the same for the duration of the loan as it is always calculated against the original amount borrowed (principal).

A reducing rate of interest is where the amount of interest to be paid takes into consideration the repayments that have been made, so it is calculated against the remaining loan amount or outstanding balance, rather than the original principal amount.

On occasion, a flat rate of interest may be advertised at a lower, more appealing rate than its equivalent reducing rate. When taking a mortgage It is important to establish with the bank or your mortgage broker whether a flat or reducing rate has been applied.

Most banks will calculate affordability slightly differently, but a general rule of thumb is that they will take only 50% of your monthly income into account when calculating this.

From this 50% they will then deduct any other credit commitments you have (e.g. car loans, personal loans and approximately 5% of all your credit card limits), to work out your maximum affordability.

They will then carry out a stress test by applying a stress rate of interest which varies between 3.5% to 8% depending on the bank. The aim of this is to confirm that you will still be able to afford your mortgage repayments if the interest rates were to increase to the test level.

Security cheques are required by banks in the UAE as they are used in instances where the borrower fails to meet the repayments for the mortgage. Should this happen, the bank will present the cheque and when it bounces they will then be able to initiate a legal case to take possession of the property to repay the outstanding debt.

This is not very different to other countries where the bank will have it written into their contract that they can repossess the property where the client defaults on the mortgage.

Where your employer pays you a housing allowance, this can be taken into account when you are applying for a mortgage.

For example, if you currently live in company provided accommodation and it is stipulated in your contract or salary certificate that you will be paid a housing allowance should you leave the provided accommodation, then the allowance you will be paid can be taken into account for your mortgage.

You will still be required to have the necessary down payment, but the allowance can contribute to your affordability and therefore can, in some cases, increase the amount you are able to borrow.

Bonus income can be taken into account when applying for a mortgage. If it is a guaranteed bonus which is written into your contract or salary certificate then it is more likely to be accepted, but discretionary bonus can also be considered too.

A No Objection Certificate, commonly abbreviated to NOC, is a type of legal document issued by an organization or individual stating that there are no objections to the points made within the document.

When purchasing property in the UAE an NOC is normally required from the developer giving clear title on the property and showing all the service changes and utilities have been paid. The NOC in this case shows that there is no objection from the developer to another person buying the property.

Yes, both residents and non-residents are able to get a mortgage to finance their handover payment to the developer.

Depending on how much has been paid prior to handover, BankOnUs will be able to arrange competitive terms with zero processing and arrangement fees.

It is possible to get an insurance policy to cover you in the event that you are unable to make your mortgage repayments due to accident, sickness or unemployment (this can include redundancy). This type of policy is not something you will get through your bank when taking your mortgage, instead you will need to speak to an insurance advisor to arrange this type of policy. We are able to put you in contact with insurance advisors if this is something you are interested in.

Please note that this type of insurance is separate to the life insurance you are required to have in order to get a mortgage in the UAE.

Still Confused? We are Always Available to Guide You!

If you still have questions in mind about personal loans, we are here for you! Call us and our expert advisors will be available to answer all your questions and help you choose the best personal loan that fits your needs and help you reach your goals!