First-time buyer home loans

Make sure you consider all of the costs before you apply.

Costs from HSBC may include:

• mortgage arrangement fee (may include a broker fee)
• valuation fee

Costs from the Land Department may include:

• mortgage registration fee
• property registration fee

Learn more about our fees.

Fixed-rate Home Loan

A Fixed-rate mortgage means that your repayments will stay the same until the end date of the fixed-rate period, even if interest rates change. Once the fixed-rate period is over, you'll automatically move to a variable rate for the rest of your loan.

3-month EIBOR based Variable Home Loan

This Variable Home Loan is based on the 3-month AED EIBOR, subject to a quarterly review, plus a fixed margin that is set for the life of the loan. So, the rate rises or falls with the EIBOR and this will affect your monthly payments.

Get the support you need from a dedicated mortgage adviser, who'll be happy to offer you advice over the phone. They'll answer any of your questions and help you to complete your home loan application.

In most cases it should take up to 14 working days to arrange your home loan, depending on your circumstances.

Your Loan to Value (LTV) is the ratio between the amount of the loan you take out and the value of your property as a whole, as a percentage.

When you decide how much to borrow, it's worth considering what your LTV will be.

A lower LTV ratio means that the rates available are likely to be lower than higher LTV mortgages.

Get a personalised estimate of how much you could borrow by applying for our Approval in Principle.