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First-time buyer home loans

Buy your first property in the UAE with our competitive home loans.

Start your journey to your first home

We're here to help you open the door to a place of your own. We've got low down payment home loans and competitive rates, plus we'll guide you through your application.

Helpful information for first-time buyers

Step onto the property ladder with confidence with these resources for first-time buyers. See how much your mortgage repayments could be, learn about rates and fees, and check if renting or buying is right for you. 

Reasons to apply for an HSBC home loan

  • Low down payment home loans
    Borrow up to 80% of your property's value, so your savings could go further.
  • Competitive APR
    Competitive annual percentage rate for Premier resident customers [@annualpercentagerate].
  • Quick and easy application
    Applying for an Approval in Principle takes on average just 60 minutes.
  • Mortgage advisor support
    Receive advice over the phone from a mortgage advisor who can give you the support you need.

Our home loans


Lock in your interest rate with a fixed-interest home loan.


Benefit from a variable interest rate that's reviewed every 3 months.


Buy a sustainable LEED-certified property and get a discount on your home loan.

Get started

Investing in the UAE with us is straightforward, even if you're not a resident yet.

We recommend that you get an Approval in Principle first – we’ll explain how to do this over the phone when you request a call back. Then, we'll let you know what you’ll need to do for your home loan application.

If you're an HSBC Global Private Banking or Premier customer already, simply call your Relationship Manager to get started.

Frequently asked questions

Additional information

    Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.