CASTILIONMORTGAGE ADVISORY
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Castilion Mortgage Intelligence

Your property.
Your ambitions.
Smarter financing.

From your first home to your next investment, discover mortgage solutions tailored to your financial position and long term objectives.

What brings you here?
Explore My Mortgage OptionsCalculate My Mortgage
Quick estimateIllustrative rate 4.25%
AED
Down payment
years
Estimated monthly repayment
AED0
Loan
Cash needed
See the full picture Get it as a PDF plan
Licensed mortgage brokerRERA ORN 46392Residents and non residentsUAE nationals, expatriates, overseas investorsNo cost to youAdvisory free unless agreed in writing

We compare home finance from lenders across the UAE

Emirates NBDFirst Abu Dhabi BankAbu Dhabi Commercial BankDubai Islamic BankMashreqAbu Dhabi Islamic BankEmirates IslamicRAKBANKCommercial Bank of DubaiHSBCStandard CharteredAjman BankNational Bank of Fujairah

Lender names and logos are trademarks of their owners and are shown to identify banks active in the UAE mortgage market. They do not indicate endorsement of Castilion. Availability depends on each bank's policy and your profile.

An AED 3 million home. Four numbers that matter.

The price
AED3,000,000

A ready apartment in a prime Dubai community, bought by a resident expatriate as a first home.

The deposit
AED600,000

The Central Bank lets you borrow up to 80% below AED 5 million, so you bring at least 20%.

Every month
AED13,002

A 25 year mortgage at an illustrative 4.25%. Every half point moves this by roughly AED 700.

The cash to complete
AED809,740

Deposit plus DLD, trustee, registration, bank and agency fees. None of these can be financed since February 2025.

Run your own numbers

Why Castilion

Built for the way investors buy.

An investment advisory that also arranges the finance, working inside the rules banks actually apply.

Regulated in Dubai

Licensed Mortgage Broker

RERA ORN
46392
DET licence
1428429
Licensed entity
Castilion Realty L.L.C.
80%

Maximum loan to value for an expatriate first home up to AED 5 million.

50%

The Central Bank limit on all your monthly debt payments as a share of income.

25 yrs

The longest mortgage term permitted in the UAE.

4.30%

3 month EIBOR on 20 October 2026, the base for most variable rates.

Property and financing, one view.

Price, yield, catalyst and exit, decided alongside rate, structure and the cash you need, because the financing decides the return.

Led by an investment strategist.

Mungi Adlan, Global Real Estate Investment Strategist of the Year, RED Global Awards 2026 presented by Forbes Romania, and recognised by Dubai International Chamber.

Residents, nationals and global investors.

Different limits for every profile. We work with banks whose policies fit yours.

AEDUSDEURGBP

Figures from Central Bank of the UAE regulations and the EIBOR fixing, reviewed 21 October 2026. Lending decisions rest with each bank.

Recognition

Recognised internationally.

The advisory behind your financing is led by Mungi Adlan, Chairman and CEO of Castilion Estates.

Winner 2026

Global Real Estate Investment Strategist of the Year

RED Global Awards 2026, presented by Forbes Romania. Awarded to Mungi Adlan, alongside fellow recipients from New York, Florida, Washington, Romania and Central Asia.

The RED Global Awards are an international real estate awards programme founded by Selman Yalcin and traditionally staged in hubs such as New York and Miami. Winners are chosen by an independent panel of industry leaders. The 2026 edition was held in Bucharest on 17 June 2026.

Presenting partner

Forbes Romania

The Romanian edition of Forbes, the global business publication, and the presenting partner of the RED Global Awards 2026.

Exclusive Member

REALM

A global community of luxury real estate professionals founded by Julie Faupel. Members apply and are vetted by their peers, and REALM's data driven platform matches luxury properties with buyers by lifestyle.

Also recognised by Dubai International Chamber for promoting Dubai real estate internationally.

Mortgage calculator

Know your numbers first.

Repayment, loan to value, interest and the cash you need, updating as you type. No details required.

AED
Down payment
AED
%
years
% p.a.
Estimated monthly repayment
AED0

Financed amount
 
Down payment
 
Loan to value
 
Total interest
 

Open the full calculator with charts and scenarios

Illustration only, not an offer. Payments assume monthly compounding and a level repayment schedule. Purchase costs use DLD fees and typical bank charges reviewed 21 October 2026; banks set their own rates and fees. Since 1 February 2025 DLD and agency fees cannot be added to the loan.

Your Mortgage Plan

Your numbers, on one beautiful page.

Shape it below and watch it update. Download it as a Castilion branded PDF to keep, share with your partner or bring to the bank.

AED
You are
Down payment
years

Get your plan as a PDFFree. Your details are never shared with a bank without your agreement.

CASTILIONMortgage Advisory
Mortgage Plan
Prepared forYou
Date22 October 2026
Estimated monthly repayment
AED13,002

25 years at an illustrative 4.25%. If rates rise by 1 point: AED 14,382.

Property priceAED 3,000,000
LoanAED 2,400,00080% of the price
Cash to completeAED 809,74020% down plus fees
Income banks look forAED 28,571a month, gross

Cash at transfer

Down payment600,000
Dubai Land Department transfer fee120,000
Title deed and DLD administration520
Registration trustee fee4,200
Mortgage registration fee6,270
Bank processing fee12,600
Property valuation3,150
Agency commission63,000
Total cash809,740

Rules that apply to you

  • Maximum loan to value 80%: Expatriate resident, first home up to AED 5m.
  • All monthly debt payments capped at 50% of income (Central Bank).
  • Maximum term 25 years; each bank sets the age limit at final repayment.
  • Transfer and bank fees are paid in cash; since February 2025 they cannot be added to the loan.
UAE resident · First home · Illustration only, not an offer or approval

Borrowing capacity

How much could you borrow?

Your income, your commitments and your cash, measured against the rules banks actually apply.

Residency
AED
AED
AED
years
Indicative borrowing capacity
Indicative, not a pre approval
AED0

Maximum property budget
 
Affordable monthly payment
 
Term allowed
 
Limited by
 
Debt burden ratio
Existing commitmentsWith the new mortgage

    Turn this into a real answer. A Castilion advisor checks your profile against each bank's policy.

    Run the full assessment with age, cards and other income

    Indicative assessment, not a pre approval or an offer. Uses the Central Bank 50% debt burden limit and the 7 times (expatriate) or 8 times (UAE national) annual income cap, loan to value limits, and DLD purchase costs. Banks also apply their own income minimums, stress rates, nationality and employer policies. Reviewed 21 October 2026.

    Mortgage solutions

    Financing for every position.

    Whether you live here, invest from abroad or want to put existing property to work.

    Mortgage comparison

    Structure matters as much as rate.

    Compare fixed periods, follow on rates and fees side by side. Your advisor then confirms what banks are offering today.

    Castilion does not publish live bank rates on this page. The scenarios below are illustrative structures priced within published UAE market ranges as of 21 October 2026. They are not bank products and carry no bank name. A Castilion advisor confirms live offers from lenders for your profile.

    Filter by your profile and compare side by side

    Purchase costs

    The deposit is only the beginning.

    Government, bank and agency charges, itemised and categorised, so the cash you prepare is the cash you need.

    AED
    AED
    Property
    %
    AED
    Your Estimated Total Cash Required
    AED0
    Down payment
     
    Fees and charges
     
    Fees as % of price
     
    Mandatory Government and registrationVariable Set by banks or agentsOptional Estimates, paid over time

    DLD fees from the Dubai Land Department service schedule. The transfer fee is officially split 2% buyer and 2% seller, but by market convention the buyer usually pays the full 4%, as shown. Trustee, valuation and processing fees attract 5% VAT. Bank fees vary and are often negotiable. Fees cannot be financed and must be paid in cash. Reviewed 21 October 2026.

    Investor financing intelligence

    Understand the financing. Underwrite the outcome.

    See how leverage changes your yield, your cash flow and your risk before a bank ever reviews the deal.

    AED
    Down payment
    AED
    %
    %
    years
    AED
    %
    % of rent
    AED
    AED
    AED
    Cash on cash return
    0%

    Gross yield
     
    Net yield
     
    Net operating income
     
    a year
    Annual debt service
     
    Cash flow after debt
     
    Cash invested
     
    down payment and costs
    Debt service cover
     
    Loan amount
     
    How leverage changes the outcome cash on cash return by loan to value; negative returns show as zero
    Rate sensitivity

    Illustrative investment analysis, separate from bank underwriting. Banks assess rent, borrower income and the property on their own terms. Investment and second homes are limited to 60% loan to value for expatriates and 65% for UAE nationals under Central Bank rules. Leverage magnifies returns in both directions: if rent falls or rates rise, losses grow faster than with a cash purchase. Reviewed 21 October 2026.

    How the advisory works

    Complex decisions deserve clear advice.

    One advisor from first conversation to completion, working for you rather than for a single bank.

    1. Understand

      Your objectives, timeline and the property you have in mind, or are still looking for.

    2. Assess

      Affordability against Central Bank rules and each bank's own policy, before anything is submitted.

    3. Compare

      Suitable structures across lenders: rate, fixed period, follow on margin, fees and flexibility.

    4. Apply

      We prepare and submit your application and documents, and manage the bank's questions.

    5. Complete

      Valuation, final offer, registration and transfer, supported through to the keys.

    Start Mortgage AssessmentBook Consultation

    Insights

    Financing, explained plainly.

    Rates
    Guide 01

    Fixed or variable in 2026

    What the gap between fixed pricing and EIBOR means for your payment after year three.

    Read the guide
    Costs
    Guide 02

    The true cost of buying in Dubai

    Why the cash you need is the deposit plus around 7%, and which fees you can negotiate.

    Read the guide
    Eligibility
    Guide 03

    How banks read your income

    Debt burden, card limits and income multiples: the three numbers that decide your loan.

    Read the guide
    Investment
    Guide 04

    Leverage and yield

    When borrowing lifts your return on cash, and when it quietly erodes it.

    Read the guide

    Questions

    Answers before you apply.

    The questions buyers ask us most. For more, visit the knowledge centre or the full UAE mortgage rules for 2026.

    How much deposit do I need to buy in Dubai?

    Under Central Bank rules an expatriate resident buying a first home valued up to AED 5 million needs at least 20% down, and at least 30% above that. UAE nationals need 15% and 25%. Second homes need 40% for expatriates and 35% for nationals, and off plan property 50%. On top of the deposit, budget for purchase costs of roughly 6% to 8% of the price, which must be paid in cash.

    What is the difference between pre approval and approval?

    A pre approval is a bank's conditional view of how much it would lend you, usually valid for 30 to 90 days. Final approval comes only after the bank values the property and issues a formal offer. Nothing on this website is a pre approval; our calculators are indicative illustrations.

    Can non residents get a mortgage in Dubai?

    Yes, with selected banks. There is no separate Central Bank band for non residents, so each bank sets its own policy, typically lending 50% to 65% of a ready property to applicants with verifiable income from accepted countries.

    What does Castilion charge for mortgage advice?

    Castilion's mortgage advisory and application support is free to the client unless a fee is agreed in writing beforehand. Where a bank pays a commission on completion, it does not increase your cost of finance, and we disclose its source on request.

    Should I choose a fixed or variable rate?

    A fixed rate gives certainty for an agreed period, typically one to five years, after which most UAE mortgages move to EIBOR plus a margin. A variable rate follows EIBOR from the start. The right choice depends on how long you plan to hold, your cash flow tolerance and the gap between fixed and variable pricing at the time.

    How is my borrowing capacity worked out?

    Banks cap your total monthly debt payments, including the new mortgage, at 50% of eligible income, count around 5% of each credit card limit as a monthly commitment, and limit the loan to 7 times annual income for expatriates or 8 times for nationals. Our eligibility tool applies these rules to your inputs.

    Clients on Castilion

    Judged by the people we advise.

    Google5.09 reviews, every one five starsRead on Google Trustpilot4.0TrustScore, rated Great · 4 five star reviewsRead on Trustpilot
    “The team was professional, approachable, and clear in their communication.”
    Ahmed F.Google review
    “They go far beyond the traditional role of a real estate agent.”
    Edward Z.Google review
    “Professional, responsive and clearly have a strong understanding of the UAE real estate market.”
    Nazeem S.Google review
    “Munji and his team are very professional, diligent, and ready to provide the best service possible.”
    Mustapha I.Google review
    “An incredible company, with a very genuine leadership and competence.”
    Joy G.Google review

    Speak to Castilion

    The right property deserves the right financing.

    Tell us where you stand. An advisor will come back with the structures that fit, and what each bank is offering now.

    1. Share your positionTwo minutes, no documents.
    2. Advisor callOn WhatsApp, phone or email, your choice.
    3. Your optionsStructures and banks that fit, side by side.
    Book a consultationSpeak to an advisor on WhatsAppFull mortgage assessment
    Free mortgage review

    Get your financing plan

    No cost, no obligation. Not an application or approval.

    5.0 on Google · 4.0 on Trustpilot
    Residency
    Preferred contact
    WhatsAppStart assessment

    Castilion Mortgage Advisory

    Mortgage advice from Castilion Estates, licensed as a Real Estate Mortgage Broker. One team for the property and the finance behind it.

    Start an assessmentBack to Castilion Estates

    Castilion is a mortgage broker, not a lender. Calculators and assessments are indicative illustrations, not offers, pre approvals or approvals. Rates, fees and eligibility are set by each bank and are subject to its credit assessment, valuation and final offer, and to the regulations of the Central Bank of the UAE. Castilion Realty L.L.C., RERA ORN 46392.

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