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.
- Low down payment home loansBorrow up to 80% of your property's value, so your savings could go further.
- Competitive ratesWe offer low interest rates that could let you save more each month, if you move your balance to us.
- Get an Approval in Principle in 60 minutesApplying for an Approval in Principle for a home loan takes on average just 60 minutes.
- Expert mortgage advisersWe've got a team of specialist mortgage advisers to make it easier for you to invest.
Not what you're looking for? View our home loans.
Tools to help you choose
Rates
Compare our latest home loan rates and understand our fees.
Should you buy or rent?
Take a look at our guide to help you decide if buying or renting is for you.
Before you apply for your first home loan
There's a few things you'll need to consider. Take a look at the information below.
What happens after you've applied?
Here's what we'll do:
Value your property
We'll value your property for a standard fee AED 2625 (inc VAT). Read our Schedule of Services and Tariffs to find out more.
Open an account for your repayments
If you're a UAE resident, we'll open an appropriate HSBC current account for your repayments, if you don't have one already.
If you live outside of the UAE, we'll open an HSBC Jade or Premier account for your repayments, if you don't have one already and you're eligible.
Then you'll need to:
Review your mortgage offer
If we've approved your mortgage application, we'll send you the offer to review and accept.
Complete the mortgage registration process
You'll then need to complete the mortgage registration with the appropriate Land Department, and provide a signature in person on the loan document.
And that's it, you'll have the keys to your first home in the UAE.
Featured Home Loan Type
Variable 3-month EIBOR Home Loan
The EIBOR-mortgage interest rate is the 3-month EIBOR plus a fixed margin. The 3-month EIBOR rate is reviewed on a quarterly basis. Competitive interest rate and overpayments, with no fees, of up to 25% on the outstanding amount per calendar year
Find out how to apply
Starting your journey to becoming a homeowner with us is easy. Our mortgage advisers will be happy to offer you advice.
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 Jade or Premier customer already, simply call your Relationship Manager to get started.
Find out more about how to apply for a home loan.
You might also be interested in

HSBC Premier
Find out if you're eligible for our Premier Account, if your home loan is AED 3 million or more.

Home loan plans
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Discover our range of home loans, so that you can find what could be right for you. |
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Green Home Loan
Learn more about the Green Home Loan discount you could get on your interest rate.

Home Insurance
Protect the home you love and your personal belongings with GIG Home insurance.