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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
Belgravia Square A, Belgravia Square, Jumeirah Village Circle (JVC)

Ready Apartment

02-Oct-2026

Individual

AED 1.5M

AED 1.9M

80 % LTV
2 Beds

1,176 sqft

Jebel Ali Village Townhouses - Phase 3, Jabal Ali First

Ready Villa

02-Oct-2026

Individual

AED 3.7M

AED 5.3M

70 % LTV
4 Beds

3,835 sqft

Jebel Ali Village Townhouses- Phase 1 Jabal Ali First

Ready Villa

02-Oct-2026

Individual

AED 3.6M

AED 4.7M

77.42 % LTV
3 Beds

2,589 sqft

Belmont Residences, Jumeirah Village Triangle (JVT)

Ready Apartment

02-Oct-2026

Individual

AED 1.4M

AED 1.7M

80 % LTV
2 Beds

1,140 sqft

Noor Townhouses, Town Square

Ready Townhouse

02-Oct-2026

Individual

AED 2.2M

AED 3.5M

64.79 % LTV
4 Beds

2,918 sqft

Building 5 (CW), City Walk, Al Wasl

Ready Apartment

02-Oct-2026

Individual

AED 1.9M

AED 2.7M

70 % LTV
1 Bed

1,127 sqft

Basswood, Damac Hills 2

Ready Villa

02-Oct-2026

Developer

AED 1.1M

AED 1.4M

80 % LTV
3 Beds

1,802 sqft

Camelia, Damac Hills 2

Off-plan Villa

02-Oct-2026

Individual

AED 1.1M

AED 2M

56.12 % LTV
4 Beds

1,832 sqft

Arbor View, Arjan

Ready Apartment

02-Oct-2026

Individual

AED 1.2M

AED 1.6M

75.15 % LTV
1 Bed

943 sqft

The Crest Tower A, Sobha Hartland, Al Merkadh

Ready Apartment

02-Oct-2026

Individual

AED 840K

AED 1.1M

80 % LTV
1 Bed

584 sqft

Peninsula Four Tower B, Business Bay

Ready Apartment

02-Oct-2026

Individual

AED 1.6M

AED 1.9M

80 % LTV
1 Bed

832 sqft

Arbor View, Arjan

Ready Apartment

02-Oct-2026

Individual

AED 945K

AED 1.4M

70 % LTV
1 Bed

912 sqft

Jewelz Residence, Arjan

Ready Apartment

02-Oct-2026

Individual

AED 960K

AED 1.2M

80 % LTV
2 Beds

1,099 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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