Your mortgage,
solved properly.
Independent advice on financing and buying in Dubai, from what you can actually borrow to keys in hand. Numbers first, sales pitch never.
Market figures indicative as of August 2026. Confirm with your lender before committing.
Four steps, no guesswork
Start step onePosition check
Income, debts, visa status and deposit. We work out the real borrowing band before you fall for a floor plan.
Pre-approval
Documents packaged once, submitted properly. You negotiate as a cash-credible buyer, not a hopeful one.
Property & offer
Shortlisting against yield, service charges and handover risk, then the offer, valuation and final terms.
Settlement
DLD transfer, trustee office, keys. Every fee listed in advance so the closing day holds no surprises.
Going it alone vs. with ASAD
Banks quote their own product. We compare the market and tell you where an application will fail before you file it.
Advisory built around the arithmetic
ASAD Property Consultancy advises buyers and investors on financing and acquiring property in Dubai. The work starts with what a lender will actually approve, then moves to which property fits that number, not the other way round.
We are independent of any single bank or developer, we work in English and Arabic, and we cover ready and off-plan across the emirate. Every figure we give you arrives with its source and its assumptions attached, so you can check it against your own.
Bishoy (Ben) Barsoum founded ASAD Property Consultancy after more than a decade building and running Aussie Lending, an asset and commercial finance brokerage he grew to a team of twelve brokers across Melbourne. He holds a Bachelor of Commerce in Accounting, Finance and Financial Planning from Deakin University and a Certificate IV in Finance and Mortgage Broking, and has structured everything from consumer asset finance to complex commercial lending deals. He brings that same numbers-first approach to the Dubai property market: credit structuring, risk assessment, and a refusal to let a client walk into a deal blind.
No exclusive lender panel and no developer incentive shaping the recommendation.
Advice, documents and lender correspondence handled in English or Arabic.
One point of contact from the first affordability read to the DLD transfer.
Where are you in the market?
Why overseas buyers choose Dubai
Foreign nationals can own freehold title in designated areas, and the tax and currency setting is unusually simple compared with most global property markets.
Freehold ownership
Non-UAE nationals can buy freehold in designated areas: Downtown, Marina, Palm Jumeirah, Business Bay and many more, with title registered in their own name and no local partner required.
No property or income tax
There is no annual property tax, no personal income tax on rental earnings and no capital gains tax for individuals. The main transaction cost is the one-off 4% DLD transfer fee.
Residency by investment
Property investment from AED 2M qualifies for the ten-year Golden Visa, renewable and extendable to immediate family, subject to the current eligibility criteria.
Rental yields
Gross yields in the city commonly run in the 5–8% range depending on community and unit type, ahead of most gateway cities. We model it net of service charges, not gross.
Currency stability
The dirham has been pegged to the US dollar at 3.6725 for decades, which removes exchange drift for dollar-denominated income and simplifies long-term repayment planning.
Financing from abroad
Selected lenders finance non-resident buyers at lower loan-to-value bands than residents, typically around 50–65%. Approval turns on income documentation and jurisdiction, so this is checked first.
Tax, visa and yield conditions indicative as of August 2026 and subject to change. Confirm your own position with a qualified tax or immigration adviser before investing.
The arithmetic favours Dubai
For an Australian investor, the two markets are not close on tax, yield or the cost of getting in. Here is the same money, in both places, side by side.
Yield and tax figures indicative as of August 2026, general market comparisons rather than personal tax advice. Confirm your own position with a qualified Australian tax adviser before acting.
Run my numbersOff-market deals the portals never see
A large share of Dubai stock changes hands before it is ever advertised. We source through owner, agency and developer relationships, so you are looking at units that are not on Property Finder, Bayut or anyone's public listing feed.
Every sourced unit comes with the same arithmetic as the rest of our advice: asking versus recent comparables, service charges, net yield and the financing structure that makes it work.
Request the off-market listOwners who want a quiet sale: no listing, no viewings circus, and usually a keener price for a buyer who is already financed.
Investor-tier pricing on multi-unit blocks and allocation deals that are simply not offered at retail, single-unit level.
Developer inventory shown ahead of public launch, when the payment plan and the floor selection are still negotiable.
Relocations, estate sales and owners refinancing under pressure, where speed of funding matters more than the headline price.
Availability varies week to week. Off-market access is subject to seller and developer confidentiality, and no specific unit, discount or allocation is guaranteed.
Real numbers, current UAE rules
Down payment floors follow the LTV band for your buyer type and property status.
Estimate only, not a loan offer or credit approval. Upfront cash includes down payment, 4% DLD fee, agency, trustee, mortgage registration and valuation estimates.
The background behind the numbers
The Dubai advisory is new. The credit judgement behind it is not. Every figure on this page comes from someone who has structured lending for a living.
- Aussie Lending
- Founded and run for more than a decade. Grown to a team of twelve brokers across Melbourne, writing asset and commercial finance.
- Bachelor of Commerce
- Accounting, Finance and Financial Planning. Deakin University.
- Certificate IV in Finance and Mortgage Broking
- The Australian credit qualification for consumer and commercial lending.
- Deal experience
- Consumer asset finance through to complex commercial lending structures. Credit structuring and risk assessment, not product sales.
Guides to the numbers that decide it
How much deposit you actually need
Expats finance up to 80% on a ready first home to AED 5M, 70% above it, and 60% on a second property. UAE nationals get five percentage points more in each band.
The DBR test, and why files fail it
Your mortgage instalment plus every other repayment must stay inside 50% of gross monthly income. Card limits count even when the balance is zero.
Off-plan vs. ready financing
Off-plan mortgages are capped at 50% LTV for everyone, nationality and portfolio irrelevant. Developer payment plans have to carry the rest until handover.
What the 4% DLD fee leaves out
Add agency, trustee, mortgage registration and valuation to the transfer fee and the all-in cash requirement typically lands near 6–8% of the price on a financed purchase.
Fixed or variable in 2026
Fixed offers sit roughly between 3.75% and 4.89% by term; variable prices at EIBOR plus a 1.00–2.25% margin, around 4.9–6.1% with EIBOR near 3.88%.
Questions, answered
Yes. Residents and, with some lenders, non-residents can finance property, at lower LTVs. Salary, length of employment, credit conduct and visa status decide the band you qualify for.
Typically three to seven working days once the document pack is complete. Pre-approval usually holds for 60 days, which is the window to negotiate seriously.
Passport, visa and Emirates ID, salary certificate, six months of bank statements, and liability details. Self-employed files add trade licence, audited accounts and company statements.
Up to 50% of the price, for every buyer type. The developer's payment plan covers the rest until handover, so the cash schedule matters as much as the rate.
For a ready property with financing, roughly four to eight weeks from signed MOU to DLD transfer, depending on valuation, final offer letter and any seller mortgage to settle.
Send us the numbers. We'll send back the answer.
Price, income and current debts are enough for a first read on what you can borrow.