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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
Torino By ORO24 - 1, Arjan

Ready Apartment

01-Oct-2026

Individual

AED 780K

AED 975K

80 % LTV
1 Bed

627 sqft

Peninsula One, Business Bay

Ready Apartment

01-Oct-2026

Individual

AED 1.9M

AED 2.4M

80 % LTV
2 Beds

950 sqft

Roy Mediterranean, Roy Mediterranean Hotel Apartments, Al Furjan

Ready Apartment

01-Oct-2026

Individual

AED 576K

AED 720K

80 % LTV
1 Bed

759 sqft

Merano Tower, Business Bay

Ready Apartment

01-Oct-2026

Individual

AED 832K

AED 1M

80 % LTV
1 Bed

668 sqft

Skyhills Residences 1, Dubai Science Park

Ready Apartment

01-Oct-2026

Individual

AED 832K

AED 1M

80 % LTV
1 Bed

711 sqft

Elora, The Valley, Al Yufrah 1

Ready Townhouse

01-Oct-2026

Individual

AED 2M

AED 2.5M

79.35 % LTV
3 Beds

1,481 sqft

Al Murjan Villa, Dubai Marina1, Dubai Marina

Ready Apartment

01-Oct-2026

Developer

AED 5.7M

AED 8.2M

70 % LTV
3 Beds

5,678 sqft

The Mayfair, Town Square

Ready Apartment

01-Oct-2026

Individual

AED 1.2M

AED 1.4M

80 % LTV
2 Beds

1,051 sqft

The IVY, Jumeirah Village Triangle (JVT)

Ready Apartment

01-Oct-2026

Individual

AED 770K

AED 1.1M

70 % LTV
1 Bed

907 sqft

Elora, The Valley, Al Yufrah 1

Ready Townhouse

30-Sep-2026

Individual

AED 2M

AED 3.5M

57.14 % LTV
4 Beds

2,487 sqft

Silicon Heights2, Dubai Silicon Oasis

Ready Apartment

30-Sep-2026

Individual

AED 664K

AED 830K

80 % LTV
1 Bed

849 sqft

Mudon Al Ranim 6, Al Hebiah Sixth

Ready Townhouse

30-Sep-2026

Individual

AED 2.7M

AED 3.4M

80 % LTV
3 Beds

1,906 sqft

Mudon Al Ranim 4, Al Hebiah Sixth

Ready Townhouse

30-Sep-2026

Individual

AED 2.9M

AED 3.6M

79.67 % LTV
3 Beds

1,808 sqft

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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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