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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
Jebel Ali Village Townhouses - Phase 3, Jabal Ali First

Ready Villa

18-Sep-2026

Individual

AED 3.4M

AED 5.7M

60 % LTV
4 Beds

3,780 sqft

Olimpico Residences, Warsan Fourth

Ready Apartment

18-Sep-2026

Individual

AED 376K

AED 480K

78.33 % LTV
Studio

528 sqft

Wilton Terraces I, Sobha Hartland, Al Merkadh

Ready Apartment

18-Sep-2026

Individual

AED 1.5M

AED 2.2M

70 % LTV
2 Beds

1,199 sqft

Address Harbour Point Tower 2, Dubai Creek Harbour

Ready Apartment

18-Sep-2026

Individual

AED 882K

AED 2.5M

36 % LTV
1 Bed

787 sqft

The Residences South, Fairmont Palm Residence, Palm Jumeirah

Ready Apartment

18-Sep-2026

Individual

AED 2.3M

AED 2.9M

80 % LTV
1 Bed

1,550 sqft

Binghatti Royale, Jumeirah Village Circle (JVC)

Ready Apartment

18-Sep-2026

Individual

AED 1000K

AED 1.3M

76.92 % LTV
1 Bed

807 sqft

Rabdan Building, Motor City

Ready Apartment

18-Sep-2026

Developer

AED 1.1M

AED 1.4M

80 % LTV
2 Beds

1,204 sqft

Skycourts Tower A, Dubai Land Residence Complex

Ready Apartment

18-Sep-2026

Individual

AED 512K

AED 640K

80 % LTV
1 Bed

843 sqft

Rabdan Building, Motor City

Ready Apartment

18-Sep-2026

Developer

AED 585K

AED 921K

63.54 % LTV
1 Bed

772 sqft

Elysee 3 Pantheon Elysee, Jumeirah Village Circle (JVC)

Ready Apartment

18-Sep-2026

Individual

AED 976K

AED 1.2M

80 % LTV
2 Beds

1,102 sqft

Armada 2, Jumeirah Lake Towers (JLT)

Ready Commercial

18-Sep-2026

Individual

AED 748K

AED 1.2M

60 % LTV

974 sqft

Santorini 3, Damac Lagoons

Ready Villa

18-Sep-2026

Individual

AED 3.8M

AED 5.7M

66.32 % LTV
6 Beds

4,728 sqft

Armada 2, Jumeirah Lake Towers (JLT)

Ready Commercial

18-Sep-2026

Individual

AED 748K

AED 1.2M

60 % LTV

974 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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