Mortgage for Property Purchase in the UAE
Mortgage rates in the UAE from 3.75% to 4.5% per year, with terms up to 25 years!
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Mortgage for Property Purchase in the UAE
Mortgage rates in the UAE from 3.75% to 4.5% per year, with terms up to 25 years!
Leave a request
About HomeUnity.one
HomeUnity.one is a modern service designed to support property transactions in the UAE using mortgage financing. It is created for those who value clarity, speed, and a truly professional approach.

We guide you through the entire property-buying journey from selecting the right property to obtaining final mortgage approval and, if needed, providing full property management after the purchase.

We source apartments and villas for both personal living and investment purposes, focusing on price, location, liquidity, rental yield, capital appreciation potential, and your individual goals.

Securing a mortgage in the UAE traditionally involves many details, document requirements, and bank-specific procedures. We simplify the entire process and handle everything on your behalf.

After the purchase, if required, we take over professional management of your property to ensure your investment runs smoothly, without stress, and generates maximum returns.

HomeUnity.one combines expertise, technology, and a personalised approach to every client.
Why Invest With a Mortgage?
  • Accessibility for non-residents
    The opportunity to purchase property in the UAE is available to both residents and non-residents of the country.
  • Impact on Returns
    Mortgage financing acts as a financial lever, delivering a multiple increase in return on invested capital.
  • Real Estate Market Stability
    The stability of the UAE real estate market is supported by several fundamental factors. A favourable tax environment encourages strong inflows of foreign investment, while the unique social structure with expatriates making up to 90% of the population creates a constant and predictable demand for rental housing. Strategic government policies aimed at providing high living and working standards attract skilled professionals from around the world, further strengthening internal demand. An additional growth driver is the well-developed tourism sector, which boosts rental demand during peak seasons and enhances overall market liquidity.
Investing in UAE Real Estate
Benefits of Buying
Purchasing property in the UAE is an investment in your future. Discover the key advantages:
Developed I
Infrastructure
Modern infrastructure and a high level of comfort make the UAE one of the best places for both living and investing.
Stable Economy
The UAE boasts a resilient, reliable, and rapidly growing economy that attracts investors from around the world.
High Growth Potential
UAE real estate shows consistent appreciation, delivering substantial increases in the value of invested assets.
Favourable Tax Environment
In the UAE, there are no taxes for individuals. None at all.
Cultural Diversity
The cultural diversity of the UAE creates a unique lifestyle where everyone feels comfortable and free.
Business Opportunities
The UAE is a global hub of opportunity, offering transparent regulations, low taxes, free economic zones, and broad access to international markets.

A favourable business climate attracts foreign companies, drives job creation, and supports economic expansion. As a result, the demand for property purchases and rentals remains high and stable both from residents and international investors.
With and without a mortgage:
comparing returns.
Using a mortgage increases the return by 4.5x
Mortgage-leveraged investment:
One-bedroom apartment, 80 sq.m., in Dubai Marina. Ready-to-move-in
  • Apartment cost
    500 000 $
  • 1-payment + expenses
    130 000 $
  • Mortgage amount
    400 000 $
  • Duration (years)
    20
  • Bid
    4,5 %
  • Monthly payment
    2 800 $
  • Rent per year
    40 000 $
  • Rent increase/year
    5 %
  • Apartment price increase/year
    5 %
  • Depreciation
    0,50 %
  • DLD Commission
    20 000 $
  • Agent commission
    10 000 $
Year
Rent
Apartment Price Growth
% to the bank
Depreciation
Income
Real Cash
Total Return
1st
40 000 $
25 000 $
17 741 $
2 625 $
44 634 $
2,9 %
62 %
2nd
42 000 $
26 250 $
17 162 $
2 756 $
48 331 $
4,3 %
125 %
3rd
44 100 $
27 562 $
16 555 $
2 894 $
52 213 $
5,9 %
191 %
4th
46 305 $
28 940 $
15 920 $
3 038 $
56 286 $
7,4 %
259 %
5th
48 620 $
30 387 $
15 256 $
3 190 $
60 561 $
9,1 %
329 %
6th
51 051 $
31 907 $
14 562 $
3 350 $
65 046 $
10,8 %
401 %
7th
53 603 $
33 502 $
13 836 $
3 517 $
69 752 $
12,7 %
476 %
8th
56 284 $
35 177 $
13 076 $
3 693 $
74 691 $
14,6 %
554 %
9th
59 098 $
36 936 $
12 280 $
3 878 $
79 876 $
16,6 %
634 %
10th
62 053 $
38 783 $
11 447 $
4 072 $
85 317 $
18,8 %
717 %
11th
65 155 $
40 722 $
10 574 $
4 275 $
91 028 $
21,0 %
804 %
12th
68 413 $
42 758 $
9 659 $
4 489 $
97 023 $
23,3 %
893 %
13th
71 834 $
44 896 $
8 701 $
4 714 $
103 315 $
25,8 %
986 %
14th
75 425  $
47 141 $
7 697 $
4 949 $
109 920 $
28,4 %
1082 %
15th
79 197 $
49 498 $
6 645 $
5 197 $
116 853 $
31,1 %
1182 %
16th
83 157 $
51 973 $
5 542 $
5 457 $
124 131 $
33,9 %
1286 %
17th
87 314 $
54 572 $
4 385 $
5 730 $
131 771 $
36,9 %
1394 %
18th
91 680 $
57 300 $
3 173 $
6 016 $
139 791 $
40,0 %
1507 %
19th
96 264 $
60 165 $
1 901 $
6 317 $
148 211 $
43,3 %
1624 %
20th
101 078 $
63 173 $
568 $
6 633 $
157 050 $
46,8 %
1746 %

How to Read This Table

Income
Rent + Price Appreciation - Mortgage Interest - Depreciation

Real Cash
This is the actual cash return for the year.
Real cash = Rent − Mortgage Payment − Depreciation

% to the bank
This is the amount of interest paid to the bank on the mortgage during the year.

Total Return
The total accumulated return year-over-year as a percentage of the invested capital.
Total return = Last year’s result + rent + price appreciation − mortgage interest − current year’s depreciation.
This means that in year 10 we see a cumulative return of 717%, which in this example translates to an average annualized return of 71.7% per year.
Same Investment but without mortgage:
One-bedroom apartment, 80 sq.m., in Dubai Marina. Ready-to-move-in
  • Apartment cost
    500 000 $
  • Cost + expenses
    530 000 $
  • Rent per year
    40 000 $
  • Rent increase/year
    5 %
  • Apartment price increase/year
    5 %
  • Depreciation
    0,50 %
  • DLD Commission
    20 000 $
  • Agent commission
    10 000 $
Year
Rent
Apartment Price Growth
Depreciation
Income
Real Cash
Total return
1st
40 000 $
25 000 $
2 625 $
62 375 $
7,1 %
12 %
2nd
42 000 $
26 250 $
2 756 $
65 494 $
7,4 %
24 %
3rd
44 100 $
27 562 $
2 894 $
68 768 $
7,8 %
37 %
4th
46 305 $
28 940 $
3 038 $
72 207 $
8,2 %
51 %
5th
48 620 $
30 387 $
3 190 $
75 817 $
8,6 %
65 %
6th
51 051 $
31 907 $
3 350 $
79 608 $
9,0 %
80 %
7th
53 603 $
33 502 $
3 517 $
83 588 $
9,5 %
96 %
8th
56 284 $
35 177 $
3 693 $
87 768 $
9,9 %
112 %
9th
59 098 $
36 936 $
3 878 $
92 156 $
10,4 %
130 %
10th
62 053 $
38 783 $
4 072 $
96 764 $
11 %
148 %
11th
65 155 $
40 722 $
4 275 $
101 602 $
11,5 %
167 %
12th
68 413 $
42 758 $
4 489 $
106 682 $
12,1 %
187 %
13th
71 834 $
44 896 $
4 714 $
112 017 $
12,7 %
208 %
14th
75 425  $
47 141 $
4 949 $
117 617 $
13,3 %
231 %
15th
79 197 $
49 498 $
5 197 $
123 498 $
14,0 %
254 %
16th
83 157 $
51 973 $
5 457 $
129 673 $
14,7 %
278 %
17th
87 314 $
54 572 $
5 730 $
136 157 $
15,4 %
304 %
18th
91 680 $
57 300 $
6 016 $
142 965 $
16,2 %
331 %
19th
96 264 $
60 165 $
6 317 $
150 113 $
17,0 %
359 %
20th
101 078 $
63 173 $
6 633 $
157 619 $
18 %
389 %

How to Read This Table

Income
Rent + Price Appreciation - Depreciation

Real Cash
This is the actual cash yield as a percentage of the invested amount.
Real cash = Rent - Depreciation.

Total Return
The total accumulated year-over-year return as a percentage of the invested capital.
This = Last year’s result + rent + appreciation - current year’s depreciation.
So, in year 10 we see an accumulated return of 148%, which in this example equals an average of 14.8% per year.

Using a mortgage increases returns by more than 4.5 times across these two examples.

UAE real estate delivers some of the highest rental yields in the world, outperforming traditionally strong markets such as London, New York, and Singapore. Leveraging mortgage financing significantly increases the return on invested capital, multiplying the investor’s overall profitability.

A favourable tax environment further enhances the market’s appeal: individuals pay no annual property tax, no tax on rental income, and no capital gains tax. Combined with the steady appreciation of property values, this makes investing in UAE real estate highly profitable, resilient, and strategically sound.
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