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Mortgage Overview

This page provides a detailed comparative analysis of mortgage-related activity in the Dubai real estate market 2025 vs. 2024, helping investors, analysts, agents and property professionals understand how mortgage financing trends have evolved over time.

  • #CARD_INITIALS#

    179.3B

    Mortgage value (AED)

    -4 % YoY

    #CARD_SUBTITLE#

    Mortgage value (AED)
    -4
  • #CARD_INITIALS#

    —

    LTV (Loan-to-Value)

    #CARD_SUBTITLE#

    LTV (Loan-to-Value)
  • #CARD_INITIALS#

    51K

    Mortgage transactions (Volume)

    23 % YoY

    #CARD_SUBTITLE#

    Mortgage transactions (Volume)
    23

2025 YOY

Cash vs. Mortgage

Cash vs. Mortgage

The analysis captures true capital deployment in the resale market.
Refinance and primary market registrations are excluded to prevent artificial inflation of transaction volumes.

Month-over-Month Transaction Volume

Year-over-Year Sales Volume Comparison

Year-over-Year Sales Value Comparison

Mortgage Transactions by Price Bracket

Mortgage history

Location

Status

Date

Sold by

Mortgage value

Actual value

 Specs
Reem - Mira Oasis Community Phase 1, Al Yelayiss 1

Ready Townhouse

03-Oct-2026

Individual

AED 1.9M

AED 3.1M

60 % LTV
3 Beds

3,715 sqft

Rise Residences, Jumeirah Village Circle (JVC)

Ready Apartment

03-Oct-2026

Individual

AED 712K

AED 890K

80 % LTV
1 Bed

715 sqft

Mudon Al Ranim 6, Al Hebiah Sixth

Ready Townhouse

03-Oct-2026

Individual

AED 2.8M

AED 3.5M

78.86 % LTV
3 Beds

1,984 sqft

Avenue Residence 6, Al Furjan

Off-plan Apartment

02-Oct-2026

Individual

AED 1.4M

AED 1.9M

74.61 % LTV
2 Beds

1,239 sqft

California Village, Wadi Al Safa 4

Off-plan Townhouse

02-Oct-2026

Individual

AED 3.4M

AED 4.3M

80 % LTV
3 Beds

3,031 sqft

Rasha, Arabian Ranches 2, Wadi Al Safa 7

Ready Villa

02-Oct-2026

Individual

AED 6.4M

AED 9.2M

70 % LTV
4 Beds

6,544 sqft

Al Barari, Wadi Al Safa 3

Ready Plot

02-Oct-2026

Individual

AED 20.4M

AED 40.9M

50 % LTV

19,121 sqft

The Pulse Residence Plaza B8, The Pulse Residence Plaza, Dubai South

Ready Apartment

02-Oct-2026

Individual

AED 400K

AED 525K

76.19 % LTV
Studio

401 sqft

Tower 3, May Residence, Jumeirah Village Circle (JVC)

Ready Apartment

02-Oct-2026

Individual

AED 640K

AED 875K

73.14 % LTV
1 Bed

1,217 sqft

Mudon Al Ranim 5, Al Hebiah Sixth

Ready Townhouse

02-Oct-2026

Individual

AED 3.3M

AED 4.2M

79.52 % LTV
4 Beds

2,827 sqft

T-04, Spain Cluster, International City

Ready Apartment

02-Oct-2026

Individual

AED 368K

AED 460K

80 % LTV
1 Bed

883 sqft

Mudon Al Ranim 4, Al Hebiah Sixth

Ready Townhouse

02-Oct-2026

Individual

AED 4M

AED 5M

80 % LTV
4 Beds

2,905 sqft

The Mayfair, Town Square

Ready Apartment

02-Oct-2026

Individual

AED 1.2M

AED 1.6M

77.42 % LTV
2 Beds

1,067 sqft

Next
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Your Property Insights
How changes in key metrics are calculated
About changes in key metrics

The percentage change for price, price/sqft, sales value, and transactions compares your selected period with the immediately preceding period of the same number of days.

How it works
Last 7 days, compares the last 7 days vs the 7 days before
Last 30 days, compares the last 30 days vs the previous 30 days
This month, compares from the start of the current month up to today vs the same number of days from the previous month
Last month, compares the full previous calendar month vs the month before it
This quarter, compares from the start of the current quarter up to today vs the same number of days in the previous quarter
Last quarter, compares the full previous quarter vs the quarter before it
Year to date (YTD), compares from the start of the year up to today vs the same number of days in the previous year
Last 12 months, compares the selected 12 months vs the 12 months before
Custom range, compares your selected dates vs the immediately preceding period of the same length
Example

If you select 1 Apr 2026 to 24 Apr 2026 (24 days), we compare it with 8 Mar 2026 to 31 Mar 2026 (previous 24 days).

Why default is Last 7 Days

Short calendar periods like "This month" may have limited transactions, especially at the beginning of the month. To ensure more reliable insights, the default view shows the last 7 days where activity is more consistent.

Important

This is a period-over-period comparison of median values. It does not track the same properties. Changes may result from transaction mix shifts, such as more luxury or more affordable units in a given period. Use this as a market trend indicator, not as the price change of a specific property.

Need help interpreting the data?

Speak to a market expert to understand how timing, location, and property mix affect results.

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