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Buy a property in the UAE

Invest in the UAE with our competitive rate home loans – even if you don't live there now

Why buy a new home in the UAE with HSBC?

Owning a home in the UAE can be easier than you think with HSBC. We'll help you make a smart investment, whether you're looking to earn a competitive rental income, or you just want a holiday home in the city of the future.

  • 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 Jade customer, you'll have your own Relationship Manager, who'll be able to guide you every step of the way.

  • 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, if you're not a resident already.

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 a home loan in the UAE

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

As 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 new home in the UAE.

Featured mortgages


Our Fixed interest 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.


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.

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.

Find out how to apply

Investing in the UAE with us is straightforward, even if you're not a resident yet.

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

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


Take a look at our products and services, that will make it easier to settle in to life in the UAE.


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.