Top of main content

How to apply for a mortgage

We'll guide you through your application

Get up to 100% off home loan arrangement fees

Need to borrow AED 350,000 or more? See how much you could save when you take out a new home loan or switch to HSBC before 31 August 2022. 

• 100% off arrangement fees for salaried UAE residents and switchers

• Up to 75% off arrangement fees for non-resident and self-employed customers1

• Approval in principle in 60 minutes, subject to providing satisfactory documentation2

Find out how to apply with HSBC

Applying for a mortgage with us is simple - we'll guide you through the two steps. First, we recommend that you get an Approval in Principle, then you can apply for your home loan.

Approval in Principle

We recommend that you get an Approval in Principle before you apply for your home loan. This is because:

  • it'll give you a good idea of the amount you may be able to borrow
  • you can get it on average in just 60 minutes
  • it's valid for up to 60 days
  • it doesn't cost you anything
  • it won't impact your credit score
  • it gives you an advantage in the homebuying process ie, it shows the seller you're ready to buy

How to get an Approval in Principle

Leave your details on our form to request a call back, or pop in to your nearest branch. Then, our mortgage specialists will help you to complete a quick application form.

You'll need the following documents:

  • valid passport, visa or Emirates ID – we'll need to verify your ID in a branch
  • income statement ie, salary certificate

Your Approval in Principle will then be provided on average in 60 minutes after you've submitted your documents to a mortgage adviser.

Apply for a home loan

We recommend that you have an Approval in Principle before you start your full home loan application. But, you can complete an application without one.

Who can apply?

Before you apply for a home loan, check that:

  • you're a UAE resident aged between 21 and 65 years and
  • you have a minimum monthly income of AED 15,000


UAE residents

If you're a UAE resident, we'll open an appropriate current account for you to make your home loan repayments, if you don't have one already.


If you live outside of the UAE, you may still be able to apply for a home loan to buy a property here. You'll need to be an HSBC Jade or Premier customer, or be eligible for an account for your home loan repayments.

We'll let you know if you're eligible and answer any of your questions, when you request a call back.

If you do not keep up your repayments/payments, you may lose your property.

You may have to pay penalties if you pay off a loan/financing early.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit.

Apply for a mortgage now

Leave your details on our quick form and our expert mortgage team will call you back.

If you're an HSBC Jade or Premier customer, simply speak to your Relationship Manager to start your application, or log in to Online banking to get started. 

HSBC mortgages apply to properties within Abu Dhabi and Dubai only. Loan amount must be 350,000 AED or more, for a tenor of minimum 5 years and maximum 25 years. Applicants must earn a salary of 15,000 AED or above to qualify. 

Terms and Conditions apply.

What happens next?

Once you've submitted the documents to support your application:

  • we'll arrange a valuation of your property
  • you'll find out if your home loan application has been approved
  • if approved, and the valuation is suitable, you should receive a home loan offer within 7 working days
  • your HSBC home loan will be complete once all parties have finished their tasks

You might also be interested in


Learn more about our home loan rates and understand our fees.


Take a look at our guide to help you decide if buying or renting is for you.


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

Additional information

1Arrangement fee reduced to 0.25% of the home loan finance amount plus VAT (min. AED 5,000 plus VAT). Home loan Terms and Conditions, HSBC Personal Banking General Terms and Conditions, and Offer Terms and Conditions apply.

2Home Loan approval is in principle. It will be provided in 60 minutes after submitting satisfactory documentation to an HSBC Advisor during working hours between Monday to Friday, 08:00 to 16:00.

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.