Mortgage Affordability
Compare UAE Home Loans
Mortgage Broker Dubai
DarX Capital compares mortgage offers from leading UAE banks, handles the paperwork and guides you from pre-approval to keys — with no broker fee to you.
or call +971 58 581 7626
2,500+
Customers
Trusting our mortgage guidance
Mortgage calculator
What will your Dubai mortgage cost?
Estimate your monthly payment, maximum loan and the cash you'll need on day one, based on UAE Central Bank lending limits.
Not sure how much you can borrow?
Enter your salary and get a quick estimate in seconds.
Check How Much I Can Borrow →
Estimated monthly payment
AED 0
- Loan amount
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- Down payment
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- Purchase fees (est.)
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- Cash needed upfront
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- Suggested min. monthly income
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See fee breakdown
Estimates only, not an offer of finance. Actual rates, fees and eligibility depend on the lender and your profile.
FREE CONSULTATION
Get your mortgage options
Tell us a little about your plans and a DarX mortgage adviser will get back to you.
- We compare offers from leading UAE banks
- One application, we handle the paperwork
- No broker fee to you
Start Your Enquiry
Let's Discuss Your Mortgage
Fill in your details and our team will get in touch.
Your Trusted Mortgage Broker in Dubai
DarX Capital is a Dubai-based mortgage brokerage helping homebuyers and property investors find suitable Mortgage Solutions in the UAE. We simplify the home loan process by connecting clients with suitable banking and lending options based on their financial requirements and property goals.
As a Trusted Mortgage Broker in Dubai, we help clients find suitable home loan options, compare offers, prepare documents, and work with lenders. We make the UAE home loan process simple, clear, and easy.
Our service is free for customers. We don't charge you any fee for our advice or for arranging your mortgage.
Speak with our team →OUR SERVICES
Compare UAE home loans for every type of buyer.
Whether you are purchasing a home or exploring financing options, DarX Capital can help you understand the next steps.
01
First-Time Buyers
Understand your budget, down payment and fees before you start viewing, with a pre-approval to negotiate with confidence.
02
Expat Mortgages
Salaried or self-employed, we know which UAE banks suit your income type, employer and nationality.
03
Non-Resident Mortgages
Buying in Dubai from abroad? We work with banks that lend to overseas buyers and manage the process remotely.
04
Off-Plan & Handover
Finance the remaining balance at handover, or plan ahead for an off-plan purchase with the right lender.
05
Buyout & Refinance
Paying too much on your current mortgage? Move to a better rate or release equity from your property.
06
Islamic Home Finance
Sharia-compliant Ijara and Murabaha options from UAE Islamic banks, compared side by side.
WHY CHOOSE DARX CAPITAL?
Mortgage Support Made Simple
Clear guidance, suitable options and dedicated support throughout your mortgage journey.
01
Expert Mortgage Guidance
Get guidance on mortgage options based on your property and financial requirements.
02
We Compare Banks for You
We compare mortgage offers from leading UAE banks to find the best match for your income and property.
03
No Fee to You
We don't charge customers any fee for our advice or for arranging your mortgage, and we explain every bank fee upfront.
04
Dedicated Client Support
Get continuous support from your first enquiry through the mortgage application process.
HOW IT WORKS
From first call to keys in four steps
STEP 01
Free consultation
We review your income, commitments and goals, and tell you honestly what you can afford.
STEP 02
Compare & pre-approve
We compare offers across banks and secure a pre-approval, so you can make offers with confidence.
STEP 03
Valuation & final offer
Once you've chosen a property, we coordinate the valuation and get the final offer letter issued.
STEP 04
Transfer & keys
We work with the bank, seller and trustee office through to transfer day at the Land Department.
BE READY
Documents you'll need
Have these ready and your application moves much faster. We'll send you the exact list for your bank after your consultation.
- Passport, UAE visa and Emirates ID
- Salary certificate (dated within 30 days)
- Last 3–6 months' payslips
- Last 6 months' bank statements
- Details of existing loans and credit cards
- Passport, UAE visa and Emirates ID
- Trade licence and Memorandum of Association
- 6–12 months' personal and company bank statements
- Audited financials (usually the last 2 years)
- Company profile and details of existing loans
- Passport
- Proof of income (payslips or business accounts)
- Last 6 months' bank statements
- Credit report from your country of residence
- Proof of address
Requirements vary by bank.
BANKS WE COMPARE
We compare mortgage offers from leading UAE banks
One application, offers from multiple banks. We find the one that suits you best, with no broker fee to you.
How much can I borrow for a property in Dubai?
UAE Central Bank rules set three limits. For a first home up to AED 5 million, expats can borrow up to 80% of the price and UAE nationals up to 85%. Your total monthly debt repayments must stay within 50% of your income. And the loan can't exceed 7 times your annual income (8 times for UAE nationals). Get a quick estimate from your salary, or speak to us for your exact limit.
Can non-residents get a mortgage in Dubai?
Yes. Several UAE banks lend to non-residents buying in Dubai, typically at 50–60% loan-to-value and with extra documents such as proof of overseas income and a credit report from your home country.
What are the upfront costs of buying with a mortgage?
Besides the down payment, budget for the Dubai Land Department transfer fee (4% of the price plus admin fees), mortgage registration (0.25% of the loan plus admin fees), the bank arrangement fee (up to 1% of the loan plus VAT), a valuation fee and, if applicable, the agency fee (usually 2% plus VAT). Together these are typically 6–8% of the price. Use the calculator above for an estimate.
How long does mortgage approval take in the UAE?
Pre-approval usually takes a few working days once documents are complete. From choosing a property to final offer letter and transfer, the process commonly takes 3 to 6 weeks depending on the bank and the seller.
Do you charge a fee?
No. DarX Capital doesn't charge customers any fee for mortgage advice or for arranging your home loan. Standard bank and government charges, such as the bank arrangement fee and the Dubai Land Department fees, still apply, and we explain them clearly before you commit.
LATEST INSIGHTS
Mortgage & property insights.
Useful information to help you understand mortgage financing in the UAE.
GET IN TOUCH
Ready to explore your mortgage options?
Tell us what you are looking for and our team will get in touch with you.
Start Your Enquiry
Let's Discuss Your Mortgage
Fill in your details and our team will get in touch.