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Mortgage guidance for UAE residents
Understand how much you may be able to borrow, which documents lenders usually request, and how to prepare a well-organised application for a home in the UAE.
Dubai, United Arab Emirates
Your future in the UAE. Built with confidence.
Private Mortgage, Financial & Business Advisory.
Personal guidance. Professional company support. A clear strategy tailored to your goals.
Personal guidance. Professional company support.
“Every important decision deserves clarity, confidence and personal attention. Irina Tashchian offers a structured and individual approach to navigating financial, business and residency-related opportunities in the UAE.”
Irina is your personal point of contact. She helps you understand the options open to you, the requirements that apply, and how each process works, then coordinates with the company she represents so you always know what happens next.
One contact
You speak with Irina directly, from first question to completion.
A clear order
Priorities, documents and steps set out before anything begins.
Discretion
Your circumstances are discussed privately and handled with care.
About this website. This website presents Irina Tashchian’s personal advisory brand. Services that are provided by, or require licences held by, the company Irina represents or its partner institutions are delivered through them, and remain subject to eligibility, their procedures and approval by the relevant banks, authorities and providers. Nothing on this website is a financing offer, an approval, or legal, tax or investment advice.
Professional company support. MGI Investment.
Irina represents MGI Investment L.L.C. in Dubai. Your guidance comes from Irina personally, while company-provided and regulated services are delivered through MGI Investment and its partner institutions, subject to eligibility, procedures and approval.
Your advisor
Irina Tashchian, your single point of contact from first question to completion.
The company
Company services delivered through MGI Investment L.L.C., Dubai.
Partner institutions
Banks, government channels and licensed professionals, where your case requires them.
A familiar face. At every step.
From the first conversation to completion, you work with Irina personally. Drag or swipe to turn the gallery.
Mortgage & Property Finance
Own your future in Dubai.
Scroll to see a residence take shape, from first lines to finished materials, while the four parts of mortgage guidance unfold beside it.
Resident or non‑resident. A clear route to your property.
For UAE residents
Salaried or self-employed and living in the UAE? Irina helps you understand how much you may be able to borrow, compare how lenders approach your profile, and prepare an application that is complete from the start.
How Irina helps
- A review of your budget and likely borrowing capacity
- Fixed and variable rate structures explained side by side
- Preparation for pre-approval
- Coordination through valuation, final offer and transfer
Documents lenders often ask for
- Passport, residence visa and Emirates ID
- Salary certificate, or trade licence and company financials if self-employed
- Recent personal bank statements
- Consent for a credit bureau check
Good to know
- Minimum down payments follow UAE Central Bank rules and depend on property value and whether it is your first home
- Registration, valuation and arrangement fees come on top of the down payment
- Ready and off-plan properties are financed differently
For non-residents
Buying in Dubai from abroad? Some UAE lenders finance non-resident buyers, usually with different criteria. Irina helps you see which options may be open to you and coordinates the process, much of it remotely.
How Irina helps
- An overview of lenders that consider non-resident applicants
- Realistic budgeting, including a typically higher down payment
- Preparing documents from your home country
- Remote coordination, with power of attorney options where appropriate
Documents lenders often ask for
- Passport
- Proof of income from your country of residence
- Bank statements, often covering a longer period
- A credit report from your home country where available
Good to know
- Fewer lenders offer non-resident mortgages, and their criteria differ
- Down payment requirements are generally higher than for residents
- Some steps can be completed remotely; others may need a visit or a power of attorney
- 1
Pre-approval
An in-principle approval that shows your budget before you commit.
- 2
Property & valuation
Once you choose a property, the lender arranges its valuation.
- 3
Final offer
The lender issues its formal offer, subject to its conditions.
- 4
Transfer & keys
Ownership transfers and the mortgage is registered.
Steps, documents and timing vary by lender, applicant and property.
From first viewing to final offer
Requirements, eligibility and terms depend on the lender, your profile and the property. Minimum down payments are set by UAE Central Bank rules and each lender’s policy, and differ for residents and non-residents and by property value.
Talk to Irina about a mortgageHow much could you borrow?
An indicative estimate based on UAE Central Bank limits: total monthly debt payments of up to 50% of income and a mortgage term of up to 25 years.
Estimated maximum loan
AED 0
- Maximum monthly payment
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- Term
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- Indicative property budget
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Illustrative only, not an offer or approval. Banks apply their own, often stricter, affordability tests and stress-test rates, and assume the loan ends by age 65, the usual limit for expatriates. Your actual borrowing depends on the lender’s assessment.
Estimate a monthly repayment
Adjust the figures to see an indicative repayment. Amounts in AED.
Estimated monthly repayment
AED 0
Principal –Interest –of total repayments
- Loan amount
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- Down payment
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- Total interest over term
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This estimate is illustrative only. It is not a financing offer, a quotation or an approval. It assumes a fixed rate for the whole term and excludes fees such as property registration, valuation, arrangement and insurance costs. Actual terms are set by the lender after its own assessment.
What will the purchase really cost?
Beyond the down payment, buyers in Dubai pay transfer, registration and service fees. Here they are for the scenario above, for a ready property.
Estimated purchase costs–– of the property price
Cash needed at purchase–Down payment plus costs
Check my costs with Irina
Indicative estimate for a ready, secondary-market property, based on commonly published Dubai fees in 2026. Fees can change, banks and agencies set their own charges, and off-plan purchases follow a different schedule. Irina can confirm the costs that apply to your purchase.
Expert guidance. Personalized solutions.
Twelve areas where Irina can guide you and coordinate support. Open any service for details.
Not sure where to start? Find your path.
Three quick questions, and you will see where Irina would suggest beginning. Nothing is sent until you choose to send it.
Step 1 of 3
The private guide. Buying in Dubai.
A concise guide by Irina: the steps from first conversation to keys, the documents lenders often ask for, and the costs to plan for. In English, Russian and Ukrainian.
- The purchase journey, step by step
- Residents and non-residents: what differs
- Documents lenders often ask for
- Purchase costs to budget for
General information only, not financial or legal advice.
In our clients’ own words.
From questions to clarity.
QuestionsClarity
Drag the gold handle and watch scattered threads become one clear direction.
Before your consultation
- Uncertainty about where to begin
- Too many options and conflicting information
- Questions about eligibility and documents
- Concern about timelines and next steps
With Irina’s guidance
- A strategy based on your individual goals
- A structured list of priorities and requirements
- Transparent communication
- Professional support through the process
A clear process.
- 01
Consultation
We discuss your goals, priorities and current situation.
- 02
Personal strategy
You receive clear recommendations and an action plan.
- 03
Documents & submission
Required documents and procedures are reviewed and coordinated.
- 04
Support to completion
Receive progress updates and guidance through the relevant process.
Personal service. Complete confidence.
Important decisions are easier with someone who knows your situation. Irina keeps the conversation personal, the communication structured and the coordination discreet, so you can focus on the decision itself rather than the paperwork around it.
Personal consultation
An unhurried, private conversation with Irina about your goals, circumstances and timing.
Tailored strategy
Recommendations shaped around your profile rather than a template, with priorities in a clear order.
Document guidance
What is needed, in what form and by when, so preparation is organised rather than rushed.
Ongoing communication
Regular updates through your preferred channel, with one point of contact throughout.
Clear answers. Before you begin.
Short answers to the questions clients ask most. Every situation is different, so Irina will confirm the details for yours.
No questions match your search. Ask Irina directly.
Let’s build your future in the UAE.
Choose the most convenient way to contact Irina.
Emailirtash@i.ua
Telephone+971 55 224 8089
Instagram@irin.afinance
Websiteirinatash.com
OfficeMarina Plaza, 19th Floor, Office 1902
Dubai Marina, Dubai, UAE
Dubai Marina, Dubai, UAE
Local time in Dubai--:--Gulf Standard Time, UTC+4
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