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. 

Fixed rates give short-to-medium term certainty (1–5 years commonly in Dubai), while variable rates (often linked to EIBOR + margin) can be lower initially but will move with market rates. Choice depends on your risk tolerance, market view, and future plans, we’ll help model the long-term cost for both.

Pre-approval can take from a few days to around two weeks depending on documentation and applicant complexity; final approval and completion commonly take several weeks (underwriting, valuation, and legal steps included). Pre-approval letters typically last 30–90 days , it’s best to act while a pre-approval is valid. 

Rates vary by lender, loan structure and borrower profile; as of 2025, typical fixed mortgage ranges are around ~3.7%–5.0% and variable rates often sit in a similar band depending on EIBOR + margin. Exact quotes depend on your LTV, tenure and credit picture, we’ll get you accurate lender offers.

Yes , refinancing can lower your rate or change your loan structure; equity release (or cash-out refinancing) lets you access built-up value while keeping ownership. Banks will check LTV, valuation, and affordability; fees and eligibility vary, so a tailored review is essential. 

A mortgage becomes a long-term liability on your credit profile, which lenders consider when assessing affordability for new loans. However, a well-structured mortgage (with healthy debt-to-income and payment history) can be managed alongside other credit, we help advise the right balance. (General lending practice) 

We compare offers across 20+ UAE lenders, prepare a complete, bank-ready application, negotiate fees and terms, handle valuation and paperwork, and support you after completion (rate reviews / refinancing). In short: we save you time, money and stress, and help you make a confident, market-informed decision.