Whether you're buying in Dubai or investing in India — we help you unlock financing. Dubai mortgage via our licensed partners HUSPY and PryPCO. India home loan directly through IA Wealth as a registered DSA for SBI, HDFC, ICICI and more.
Quick Reference — Key Numbers
Dubai Mortgage Advisory
IA Wealth has lead referral arrangements with HUSPY and PryPCO — both licensed UAE mortgage brokers. We assess your profile, recommend the right partner, and they handle your pre-approval through their bank relationships. Free for you.
| Buyer Category | Property Value | Max LTV | Min Down Payment | Notes |
|---|---|---|---|---|
| UAE-resident expat (1st property) | Up to AED 5M | 80% | 20% | + 4% DLD fee, bank charges |
| UAE-resident expat (1st property) | Above AED 5M | 70% | 30% | Stricter income requirements |
| UAE-resident expat (2nd property) | Any value | 60% | 40% | Regardless of property value |
| Non-resident / NRI (not living in UAE) | Any value | 60–65% | 35–40% | Higher documentation requirements |
Source: UAE Central Bank regulations, 2026. Down payment must come from own funds — UAE Central Bank prohibits borrowed down payments.
One of the UAE's leading digital mortgage platforms — processes applications fully online, works with 15+ UAE banks, and provides pre-approval within 24-48 hours in most cases. Strong for residential property buyers across Dubai and Abu Dhabi. Known for speed and transparency on rates across multiple lenders simultaneously.
UAE Licensed Mortgage BrokerSpecialist UAE mortgage brokerage with deep relationships across Emirates NBD, ADCB, Mashreq, and Islamic finance options (Dubai Islamic Bank). Particularly strong for NRI, non-resident, and complex income structures where standard digital platforms face limitations. Personal broker model — each client is assigned a dedicated relationship manager.
UAE Licensed Mortgage BrokerDebt Burden Ratio (DBR)
Total monthly debt (new mortgage + existing loans) cannot exceed 50% of gross monthly income. Both the mortgage instalment AND your car loan, personal loans, credit card minimums count toward this cap.
Income Cap
Banks apply a 7x annual income maximum loan ceiling. If you earn AED 300K/year, maximum loan is AED 2.1M regardless of LTV. Both the DBR cap and income cap apply — the lower limit is always binding.
Property Must Be Freehold & Registered
Only registered freehold properties qualify as mortgage collateral (DLD registered). Most off-plan properties can be mortgaged — but check with the specific lender as some impose restrictions on early-stage off-plan.
Age Limits
Loan must be fully repaid by age 65 (salaried) or 70 (self-employed). A 45-year-old salaried applicant gets a maximum 20-year tenure, not 25 — regardless of what the bank's headline maximum says.
Tell us your residency status, income, target property, and price range. 10 minutes on WhatsApp.
We connect you to HUSPY or PryPCO based on your profile. They begin comparing rates across 10-15 UAE banks simultaneously.
Pre-approval issued in 24-48 hours (typically). Gives you a confirmed loan amount before you commit to a property.
Property selected, formal application submitted. Full approval and disbursement typically within 4-6 weeks from formal submission.
Documents
Prepare these in advance to speed up the process. Our team will confirm the exact list based on your specific bank and profile.
Tell us which market you're buying in and we'll assess your profile and connect you to the right option — same day.
We assess your profile and introduce you to the right licensed partner. Free. No obligation.
WhatsApp — Dubai MortgageWe're a registered DSA. Submit your application directly through us for SBI, HDFC, ICICI and more.
WhatsApp — India Home LoanOr submit a form:
FAQ
Yes, but with more conditions than for ready properties. Banks finance off-plan properties from developers they have approved on their panels — typically large, established developers like Emaar, DAMAC, and Nakheel have pre-approved panel status at most UAE banks. The mortgage is structured to disburse in stages as the developer reaches construction milestones. Maximum LTV for off-plan is generally lower than for ready properties. Our partners HUSPY and PryPCO can confirm which off-plan projects are panel-approved at specific banks based on your chosen property.
Most UAE banks set a minimum monthly income of AED 15,000 (approximately USD 4,084) for mortgage applicants. HSBC and Emirates NBD specifically cite this threshold. However, this is the floor — in practice, at 60-65% LTV for non-residents, you need sufficient income to ensure the monthly mortgage EMI does not exceed 50% of your gross monthly income (the UAE Central Bank's Debt Burden Ratio cap). Your maximum loan is also capped at 7x your annual gross income. A mortgage broker at HUSPY or PryPCO will calculate your exact eligibility before submission.
An NRI home loan is a housing finance product for Non-Resident Indians (NRIs), Persons of Indian Origin (PIOs), and OCI cardholders who want to purchase, construct, or renovate residential property in India. Eligibility typically requires: a valid Indian passport, current country of residence visa or work permit, minimum 1 year of employment abroad (salaried) or 3 years (self-employed), minimum annual income of approximately USD 42,000-50,000 depending on the lender, and a clean credit history. IA Wealth is a registered DSA and will assess your specific eligibility against the banks we work with.
EMI payments must be made in Indian Rupees (INR) and must come from an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account in India — this is an RBI requirement, not a bank policy. You transfer money from your UAE bank account to your NRE account in India, and the bank auto-debits the EMI from there. Most NRI borrowers set up a standing instruction for automatic EMI debit from their NRE account. Some banks also accept direct overseas SWIFT remittance for EMI payment — confirm with us which banks allow this.
HUSPY is a digital mortgage platform — fast, online-first, best for straightforward UAE-resident salaried profiles where speed and comparing multiple banks simultaneously is the priority. PryPCO is a specialist personal broker model — better for non-residents, NRIs, self-employed applicants, Islamic finance requirements, or complex income structures where a dedicated relationship manager and bank negotiation adds value. IA Wealth will assess your profile and connect you to the partner better suited to your specific situation. You can also request to work with both for comparison.
IA Wealth's mortgage and home loan advisory is free for the borrower. For Dubai mortgages, our partners HUSPY and PryPCO are paid a broker fee by the lending bank — not by you. For India home loans through our DSA arrangement, IA Wealth earns a commission from the bank on successful loan disbursement — again paid by the bank, not the borrower. You receive the same interest rate and terms as applying directly. The advantage of coming through IA Wealth is our pre-screening of your application and our ongoing advisory across your full property portfolio.
Disclaimer: Mortgage and home loan advisory is provided for informational purposes only and does not constitute financial advice. All interest rates, LTV ratios, tenures, and eligibility criteria are indicative and subject to change at the discretion of the relevant lender and regulatory authority (UAE Central Bank, RBI). Actual rates offered depend on the borrower's profile, credit history, lender's current policies, and market conditions at the time of application. IA Wealth Real Estate LLC is not a licensed mortgage broker in the UAE — Dubai mortgage referrals are made to HUSPY and PryPCO who hold relevant UAE regulatory approvals. For India, IA Wealth operates as a registered DSA — all loan products are offered and sanctioned directly by the relevant bank, not by IA Wealth. Borrowers should independently verify all terms with the lender before signing any agreement. IA Wealth Real Estate LLC, RERA Reg. 52591, 2015 OBK Business Centre, 20th Floor, 48 Burj Gate Towers, Downtown, Sheikh Zayed Road, Dubai · himanshu@investadvise.in · +971 56 909 3693.
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