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We understand that the property transaction and mortgage process is more complicated than most expect. This is why we are here to support you through each step of the journey.
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Equity release allows customers the opportunity to release additional cash from the equity built up in their property. Equity release can be a great way to free up money for investing in home improvements or purchasing another property.
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Frequently Asked Questions
Equity release allows customers the opportunity to release additional cash from the equity built up in their property. Equity release can be a great way to free up money for investing in home improvements or purchasing another property.
Usually, most banks ask for the following- a passport, visa, emirates ID, salary certificate as a proof of self-employment, last 3-6 month’s bank statements, recent payslips, and proof of residence which can be DEWA bill and tenancy. The requirements vary across lenders and applicants.
Typical down payments depend on residency and property value: residents often expect 15–25% (depending on LTV rules), while non-residents commonly need a larger deposit (often 20–40% depending on value and bank policy). Your exact percentage depends on the lender, property value and whether the purchase is off-plan.
LTV is the ratio of your loan to the property’s value, e.g., 80% LTV means you pay 20% deposit. LTV determines how much you can borrow, influences interest rates, and differs for residents vs non-residents and by property price band. Banks set different LTV limits so comparing lenders matters.
Yes, many UAE banks offer expat and non-resident mortgages, although terms (LTV, down payment, rates) can be stricter than for UAE nationals. Some lenders finance up to ~65–80% depending on circumstances, others require larger deposits for higher-value properties. Nestwood Mortgage can match you to the lenders most likely to approve your profile.
How we can help at Nestwood Mortgage
Chat to us online
Start a web chat if you have a question about applying. we can’t give advice about
Call us
Call us anytime between 10 AM to 7.30 PM (Mon to Sat). We are closed on Weekends and official holidays.
Book an Appointment
If you wish to start your mortgage application process and receive a free eligibility assessment, book an appointment with us.
Residential Mortgage
