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 loans
Borrow up to 80% of your property's value, so your savings could go further.
We 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 minutes
Applying for an Approval in Principle for a home loan takes on average just 60 minutes.
Expert mortgage advisers
We've got a team of specialist mortgage advisers to make it easier for you to invest.
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.
Types of mortgages
Our mortgage advisers
Loan to Value
How much you could borrow?
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 loans
Fixed-rate Home Loan
Our Fixed-rate Home Loan keeps your monthly repayments the same for up to 5 years.
The fixed interest rate is available for 1, 2, 3 and 5 years.
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
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Find out if you're eligible for our Premier Account, if your home loan is AED 3 million or more.