Buying a home
Pre-approval, the right lender and a rate you understand, for your first home or your next one.
Learn moreThe right mortgage for your Dubai property.
Talk to a Ten Capital advisor. We check what you can borrow and what it will really cost.
Why Ten Capital
Why buyers choose Ten Capital.
Clear costs
Every fee on paper before you commit to anything.
More than one bank
We compare lenders side by side, so you are never pushed toward one.
Paperwork handled
We chase the documents so your approval does not stall.
One advisor
The same person with you from the first call to the keys.
Services
Finance for every way you buy in Dubai.
Whether it is your first home or your tenth property, we start with the number and build from there.
Buy-to-let and investors
Finance built around rental income and a portfolio that keeps growing.
Learn moreOff-plan financing
Lender options and payment plans for properties that are still being built.
Learn moreRefinancing
Move to a better rate or release equity, and see the true saving before you switch.
Learn moreNon-resident mortgages
Buying from abroad? We explain what banks ask for before you apply.
Learn morePre-approval
Know your budget before you fall for a property.
Learn moreBanks we work with
Mortgage calculator
Estimate your monthly payment.
See what a mortgage could cost, and how much cash you need up front.
Estimated monthly paymentAED 0
Loan amountAED 0
Cash needed up frontAED 0
An estimate to help you plan, not an offer or a quote. The up-front figure adds the down payment, a 4% Dubai Land Department transfer fee, and a mortgage registration fee of 0.25% of the loan plus AED 290. Bank fees, valuation and agent fees are not included. Your advisor confirms the current figures for your case.
How it works
Five steps from first call to keys.
1
Free call
Tell us what you want to buy. We listen first.
2
Know your number
We work out what you can borrow and what it will really cost.
3
Compare banks
You see the options side by side, with every fee.
4
Paperwork and valuation
We prepare your file, chase the bank and keep you posted.
5
Keys
Sign, register, and collect the keys to your home.
Client stories
Meet the advisors
Questions
What buyers ask us most.
Straight answers. If yours is not here, ask on the call.
Will you push one bank?
No. We show you the options side by side and explain the trade-offs. You choose.
How long does it take?
It depends on the bank and how complete your documents are. Your advisor gives you a clear timeline at the start and updates you at each step.
What if my documents are not perfect?
Bring what you have. We tell you what is missing before the bank sees your file, because incomplete files are the most common cause of delays.
How much cash do I need besides the down payment?
Plan for government and bank fees on top of the down payment. The calculator above gives an estimate, and your advisor confirms the exact figures for your purchase.
Can I get a mortgage as a non-resident?
Often yes, though banks usually lend less and ask for more paperwork. We explain the limits before you apply.
Do you guarantee approval?
No one honestly can. We tell you your real chances before you apply, so there are no surprises.
Insights
Notes from the market.
Coming soon
What you really pay on top of the down payment
A plain breakdown of the fees that surprise first-time buyers in Dubai.
Coming soon
Buying as a non-resident: what banks ask for
The documents and limits to expect before you make an offer.
Coming soon
Fixed or variable: how to choose
How each rate type behaves, and which suits your plans.
Book a free call
Ready to talk about your mortgage?
Tell us a little about what you want to buy. An advisor will reply with next steps.
- Office
Business Bay, Dubai, UAE