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Buy a property in the UAE

Owning a home in the UAE is closer than you think

Whether you're looking to earn a competitive rental income, or you just want a holiday home in the city of the future, we'll help you make a smart investment.

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Before you buy property in the UAE

Compare rates and fees

Here are some more details about our rates and fees for home loans.

Should you buy or rent your home?

Choosing whether to buy or rent your home is a difficult decision, but our guide can help you decide which could be the better option for you.

7 steps to buy a property in the UAE

Learn about how to buy a property and how the process works with our guide.

Why buy property in the UAE with us?

Low down payment

Borrow up to 60% of your property's value, so your savings could go further.
Dedicated Relationship Manager

As an HSBC Premier or Global Private Banking customer, you'll have your own Relationship Manager, who'll be able to guide you every step of the way.

Applying is quick and easy

Applying for an Approval in Principle takes on average just 60 minutes.
Mortgage advisor support

Receive advice over the phone from a mortgage advisor who can give you the support you need.

Discover our products

Explore banking solutions that could help you get more out of buying property in the UAE.

Green Home Loan

Buy a sustainable LEED-certified property and get a discount on your home loan.

Variable 3-month EIBOR Home Loan

Benefit from a variable interest rate that's reviewed every 3 months.

Home insurance

Protect your home contents, personal belongings and more with GIG Home Comfort Insurance.

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 in the UAE

To apply for a home loan, you'll need to be an HSBC Global Private Banking or Premier customer, or be eligible for an account. We'll let you know if you're eligible, and answer any questions when you request a call back.

If you're already an HSBC Global Private Banking or Premier customer, call your Relationship Manager to get started.

How to apply

Frequently asked questions

Before you apply for a home loan, consider all costs involved. Fees from HSBC may include a:

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

Costs from the Land Department may include a:

mortgage registration fee
property registration fee

Learn more about our fees.

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

Here's what we'll do:

Value your property

We'll value your property for a standard fee of AED 2625 (including VAT). Read our Schedule of Services and Tariffs to find out more.

Open an account for your repayments

As you live outside the UAE, we'll open an HSBC Global Private Banking 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 new home in the UAE.

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.

Buy a property in the UAE