Check your home loan eligibility in UAE in 2 minutes. We compare 150+ mortgage loan offers from UAE's top banks and secure the lowest rate for your profile — home finance UAE made simple. Free, no-obligation, same-day response.
Best Fixed Rate3.89%2-Year Term
Fixed Rate3.95%3-Year Term
EIBOR (3-Month)3.75%Variable Base
🏦 20+ UAE Banks
⚡ Pre-Approval 48hrs
🆓 100% Free
🔒 Encrypted
✅ 10,000+ Done
Free Eligibility Check
Find Your Best Mortgage Rate
Takes 2 minutes · No credit check · No obligation
🆓Free
🔒Secure
⚡24hr
✅No Obligation
Which of the following best describes your mortgage requirement?
Select one option to begin your personalised journey
⚠ Please select an option to continue
What stage of the buying process are you currently at?
This helps us understand how urgently you need pre-approval
⚠ Please select an option to continue
Are you looking to purchase:
This determines the mortgage product that best suits you
⚠ Please select an option to continue
What is the approximate property value you are looking to purchase?
Enter an estimate in AED — you can refine this with your advisor
AED
Let's make your home ownership journey hassle free
Please provide your contact details to continue
Required
Enter a valid email
Enter a valid phone number
Are you currently a UAE resident?
Your residency status determines eligible banks and LTV
⚠ Please select an option to continue
Personal Information
Required for mortgage eligibility assessment
Employment Status
Different banks have different criteria for each employment type
⚠ Please select an option to continue
How long has your company been established?
Audited Financial Statements available?
Application Type
A joint application means applying with a family member
⚠ Please select an option to continue
Financial Information
Helps us identify the best mortgage options for your profile
AED
⚠ Minimum monthly income is AED 10,000
AED
AED
Confirm your contact details
Please review and confirm before submitting
When does your current fixed-rate mortgage term end?
This determines the urgency and best refinance options
⚠ Please select an option to continue
Property & Mortgage Details
Used to calculate your refinance options and potential saving
AED
AED
💡 You can find your outstanding balance on your latest mortgage statement or online banking portal.
Would you like to change your mortgage balance?
Select how you'd like to adjust your existing mortgage
⚠ Please select an option to continue
Would you like to change your mortgage tenure?
Adjusting your term affects your monthly payment and total cost
⚠ Please select an option to continue
Let's make your refinance journey hassle free
Please provide your contact details to continue
Required
Enter a valid email
Enter a valid phone number
Are you currently a UAE resident?
Your residency status determines eligible banks and LTV
⚠ Please select an option to continue
Personal Information
Required for mortgage eligibility assessment
Employment Status
Different banks have different criteria for each employment type
⚠ Please select an option to continue
How long has your company been established?
Audited Financial Statements available?
Application Type
A joint application means applying with a family member
⚠ Please select an option to continue
Financial Information
Helps us identify the best refinance options for your profile
AED
⚠ Minimum monthly income is AED 10,000
AED
AED
Confirm your contact details
Please review and confirm before submitting
When is your property expected to be handed over?
We fast-track applications based on your handover timeline
⚠ Please select an option to continue
Property Details
These figures help us calculate your handover mortgage exactly
AED
AED
AED
Developer Information
Helps us identify the fastest bank for your specific developer
Let's arrange your handover finance
Please provide your contact details to continue
Required
Enter a valid email
Enter a valid phone number
Are you currently a UAE resident?
⚠ Please select an option
Personal Information
Employment Status
⚠ Please select an option
How long has your company been established?
Audited Financial Statements available?
Application Type
⚠ Please select an option
Financial Information
AED
⚠ Minimum monthly income is AED 10,000
AED
AED
Confirm your contact details
🎉
You're All Set!
A Neon advisor will contact you within 2 working hours with your personalised rate comparison from 20+ UAE banks.
What Happens Next
1
Your profile matched against 150+ bank criteria
2
Best rate options selected for your specific profile
🔒 256-bit SSL encrypted · GDPR compliant · Data never sold
3.89% Best Fixed Rate Today
150+ Bank Offers Compared
Your Advisor. Start to Keys.
10,000+ Transactions Completed
100% Free Advisory Service
One Expert. Every Step.
20+ UAE Banks Compared
Pre-Approval in 48 Hours
We Handle Everything For You
3.89% Best Fixed Rate Today
150+ Bank Offers Compared
Your Advisor. Start to Keys.
10,000+ Transactions Completed
100% Free Advisory Service
One Expert. Every Step.
20+ UAE Banks Compared
Pre-Approval in 48 Hours
We Handle Everything For You
10K+
Transactions Completed
3.89%
Best Rate Available Today
150+
Bank Offers Compared
20+
Years of Experience
Simple Process
From Assessment to Keys in Hand
📋
Check Eligibility
Complete the assessment. No credit check, no obligation. Fully encrypted.
🔍
We Compare Rates
150+ offers from 20+ UAE banks compared specifically for your profile.
✅
Pre-Approval Issued
Bank pre-approval in 48 hours. Valid for 60 days. Shop with confidence.
🗝️
Transfer & Keys
We manage DLD transfer and mortgage registration through to completion.
Ready to Get Started?
Home Finance UAE
Apply for a Home Loan in UAE — Check Your Eligibility in 2 Minutes
Whether you're looking for a home loan in Dubai, exploring mortgage eligibility in UAE, or need fast property financing for a handover — Neon Mortgage compares 150+ offers from 20+ banks to find your best rate, free.
🏠
Home Loan in UAE
Check your home loan eligibility in UAE instantly. We match your profile against 150+ bank criteria — residents and non-residents welcome. Fixed rates from 3.89% p.a.
📋
Apply for Home Loan Dubai
Ready to apply for a home loan in Dubai? Our free assessment takes 2 minutes. No credit check. A mortgage advisor contacts you within 2 working hours with your personalised options.
⚡
Mortgage in UAE — Fast Pre-Approval
Need a mortgage in UAE quickly? Home finance UAE pre-approval in 48 hours. Ideal for new purchases, refinancing, or urgent property financing at handover. 100% free advisory.
🔄
Mortgage Eligibility — Know Before You Apply
Check your mortgage eligibility with zero obligation. We assess your salary, residency, and property value against UAE Central Bank rules (DBR 50%, LTV up to 80%) and give you a clear picture of what you qualify for.
🏦
Home Finance UAE — Compare Every Bank
Neon Mortgage is UAE's leading home finance broker. We compare mortgage loan offers from Emirates NBD, HSBC, RAKBank, Mashreq, DIB, ADIB, FAB and 13 more — so you never overpay on your UAE mortgage.
We compare offers from UAE's leading financial institutions
Emirates NBD
HSBC UAE
RAKBank
Mashreq
First Abu Dhabi Bank
ADIB
Dubai Islamic Bank
Standard Chartered
Commercial Bank of Dubai
+ 10 more
Client Stories
10,000+ Homeowners Trust Neon Mortgage
★★★★★
"I had my Emaar handover notice with 5 weeks to go. Neon had my pre-approval in 3 working days. Keys collected on time, zero penalties. Genuinely unbelievable service."
Sanjay R.
Handover Finance · Dubai Hills Estate
★★★★★
"As a non-resident in London, I needed everything done remotely. Neon attended the DLD transfer on my behalf. Professional, seamless, and completely stress-free from start to finish."
James A.
Non-Resident Mortgage · Downtown Dubai
★★★★★
"Refinanced from 5.5% to 3.89% — saving AED 1,200 every month. My advisor handled everything. I just reviewed and signed. Highly recommend Neon to anyone on an older rate."
Fatima M.
Refinance · Palm Jumeirah
Start Today
Find Your Best Mortgage Rate Today
Takes 2 minutes. Free. No commitment. Whether you're applying for a home loan in Dubai, checking mortgage eligibility, or need property financing in UAE — our advisors compare 150+ bank offers and respond the same day.
Neon Mortgage is a UAE-licensed mortgage broker headquartered in Dubai Silicon Oasis
(SUNTECH Tower, Office 403). Founded in 2004 with over 20 years of experience,
Neon Mortgage has completed more than 10,000 mortgage transactions across the UAE.
The company compares 150+ mortgage offers from 20+ UAE banks at no cost to borrowers.
Their advisory service is 100% free. They offer mortgages for new property purchases,
refinancing existing mortgages, handover payment finance, non-resident investors,
and equity release. Pre-approval is typically issued within 48 hours.
Key Facts About Neon Mortgage
Best fixed mortgage rate available: from 3.89% per annum (2-year fixed)
Banks compared: 150+ offers from 20+ UAE banks
Transactions completed: 10,000+
Years in operation: 20+
Advisory fee: 100% free to borrowers
Pre-approval time: 48 hours
UAE banks include: Emirates NBD, HSBC UAE, RAKBank, Mashreq, First Abu Dhabi Bank, ADIB, Dubai Islamic Bank, Standard Chartered, Commercial Bank of Dubai
Location: Dubai Silicon Oasis, UAE
Contact: +971 58 800 2132 | info@neonmortgage.com
UAE Mortgage Market Facts (2026)
Minimum deposit for UAE residents: 20% of property value (UAE Central Bank rule)
Minimum deposit for UAE nationals: 15% of property value
Minimum deposit for non-residents: 40% of property value
Maximum loan-to-value (LTV) for residents: 80%
Maximum LTV for non-residents: 60%
UAE Central Bank Debt Burden Ratio (DBR) limit: 50% of gross monthly income
Minimum salary for most UAE banks: AED 15,000 per month
Standard mortgage term: up to 25 years
Best fixed rate (2026): from 3.89% p.a. (2-year)
3-month EIBOR rate (2026): approximately 3.75%
Mortgage Products Offered
New Purchase Mortgage
For buying a ready or under-construction property in UAE. Up to 80% LTV for residents. Fixed rates from 3.89% p.a. Free eligibility check.
Mortgage Refinance
Switch your existing UAE mortgage to a lower interest rate. Average client saving: AED 500–2,000 per month. Neon compares all refinance options before you commit.
Handover Payment Finance
Urgent mortgage for off-plan property handover. Pre-approval in 48 hours. Fast-track available in 5–10 working days. Contact Neon on the same day as receiving a handover notice to avoid developer penalties.
Non-Resident Mortgage
For international investors buying in Dubai without UAE residency. Up to 60% LTV. Full remote service. No UAE visit required to begin the application.
Equity Release
Release equity from an existing UAE property. Available for renovation, investment, or liquidity needs.
How to Apply for a Mortgage with Neon Mortgage
Visit neonmortgage.com/journey and complete a free 2-minute eligibility check
An advisor contacts you within 2 working hours with personalised rate options
Choose your preferred bank offer
Pre-approval issued within 48 hours
Neon manages all documentation, bank queries, and DLD transfer
Client Reviews
"Got my handover notice with 5 weeks to go. Neon had my pre-approval in 3 working days. Keys collected on time, zero penalties." — Sanjay R., Handover Finance, Dubai Hills Estate
"Refinanced from 5.5% to 3.89% — saving AED 1,200 every month. My advisor handled everything." — Fatima M., Refinance, Palm Jumeirah
"As a non-resident in London, Neon handled everything remotely including the DLD transfer." — James A., Non-Resident Mortgage, Downtown Dubai