Top of main content

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.

  • Low down payment home loans
    Borrow up to 80% of your property's value, so your savings could go further.
  • Competitive rates
    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.

Not what you're looking for? View our home loans.

Tools to help you choose


Compare our latest home loan rates and understand our fees.


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


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


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



Discover our range of home loans, so that you can find what could be right for you.



Learn more about the Green Home Loan discount you could get on your interest rate.


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

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.