Expats living in Dubai can get a mortgage with a 20% down payment on properties under AED 5 million (30% above AED 5 million), borrowing up to 80% of the property value. Most UAE banks ask for a minimum monthly salary of AED 10,000–15,000 and at least 6 months in your current job, and your total monthly debt payments — including the new mortgage — must stay within 50% of gross income under UAE Central Bank rules. Rates, fees and flexibility differ significantly between banks, which is why comparing matters: the same profile can receive noticeably different offers. ASK Mortgage Advisor compares offers from 20+ UAE banks, handles the paperwork, and guides you from eligibility check to handover; pre-approval typically takes 3–7 business days. On top of the down payment, budget roughly 7–8% of the purchase price for fees. The initial consultation is free for all Dubai-based expats.