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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.

  • 179.3B

    Mortgage value (AED)

    Mortgage value (AED)
  • —

    LTV (Loan-to-Value)

    LTV (Loan-to-Value)
  • 51K

    Mortgage transactions (Volume)

    Mortgage transactions (Volume)

2025 YOY

Cash vs. Mortgage

Cash vs. Mortgage

Line: Cash vs. Mortgage
CashMortgage
20148218
20157822
20167426
20177327
20187030
20197228
20207228
20216931
20227624
20238020
20247921
20257624
20267426

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

Bar: Month-over-Month Transaction Volume
MortgageSale
Jan-20264,27017,279
Feb-20263,87517,040
Mar-20263,68613,501
Apr-20264,07714,045
May-20262,57310,279
Jun-20263,91613,933
Jul-20264,50514,144
Aug-20263,76812,018
Sep-20264,26111,288
Oct-20261,1953,971

Year-over-Year Sales Volume Comparison

Bar: Year-over-Year Sales Volume Comparison
MortgageSale
201415,74856,196
201515,27347,190
201618,15341,188
201719,35747,226
201819,66832,962
201919,04038,734
202019,02834,725
202128,09561,129
202226,01096,518
202333,460133,638
202441,588181,699
202550,974215,583
202636,126127,498

Year-over-Year Sales Value Comparison

Bar: Year-over-Year Sales Value Comparison
MortgageSale
2014104B140B
2015126B127B
2016137B106B
2017134B117B
2018119B75B
2019142B79B
202088B71B
2021128B151B
2022226B264B
2023162B412B
2024187B525B
2025179B686B
2026154B391B

Mortgage Transactions by Price Bracket

Bar: Mortgage Transactions by Price Bracket
<3M3-6M>6M
202017,1261,015887
202124,5632,2471,285
202221,2232,5102,277
202327,8663,7271,867
202434,7454,7452,098
202542,1406,1132,721
202629,6254,4302,071

Mortgage history

Location

Status

Date

Sold by

Mortgage value

Actual value

 Specs
Pacifica, Damac Hills 2

Ready Villa

14-Sep-2026

Developer

AED 1.2M

AED 1.5M

80 % LTV
2 Beds

1,445 sqft

Skyz By Danube, Arjan

Ready Apartment

14-Sep-2026

Individual

AED 399K

AED 570K

70 % LTV
Studio

366 sqft

Castleton, Central Park, City Walk, Al Wasl

Ready Apartment

14-Sep-2026

Individual

AED 1.6M

AED 2M

80 % LTV
1 Bed

788 sqft

Farhad Azizi Residence, Al Jaddaf

Ready Apartment

14-Sep-2026

Individual

AED 1.2M

AED 1.4M

88.04 % LTV
1 Bed

705 sqft

Esplora Residences, Jumeirah Village Circle (JVC)

Ready Apartment

14-Sep-2026

Developer

AED 548K

AED 685K

80 % LTV
Studio

476 sqft

Axis Residences One 4, Axis Residences 1, Dubai Silicon Oasis

Ready Apartment

14-Sep-2026

Individual

AED 412K

AED 515K

80 % LTV
1 Bed

877 sqft

Al Ramth 67, Remraam

Ready Apartment

14-Sep-2026

Individual

AED 560K

AED 800K

70 % LTV
1 Bed

1,158 sqft

Elan, Tilal Al Ghaf

Ready Townhouse

14-Sep-2026

Individual

AED 3.2M

AED 4M

80 % LTV
4 Beds

2,174 sqft

Binghatti Mirage, Jumeirah Village Circle (JVC)

Ready Apartment

14-Sep-2026

Individual

AED 568K

AED 710K

80 % LTV
1 Bed

612 sqft

Sunset At Creek Beach Building 3, Dubai Creek Harbour

Ready Apartment

14-Sep-2026

Individual

AED 1.2M

AED 1.4M

80 % LTV
1 Bed

717 sqft

Binghatti Azure, Jumeirah Village Circle (JVC)

Ready Apartment

14-Sep-2026

Individual

AED 832K

AED 1.1M

79.24 % LTV
1 Bed

728 sqft

Al Ramth 13, Remraam

Ready Apartment

14-Sep-2026

Individual

AED 940K

AED 1.4M

69.12 % LTV
2 Beds

1,218 sqft

Nice 1, Damac Lagoons

Off-plan Villa

14-Sep-2026

Individual

AED 2.1M

AED 3M

70 % LTV

1,550 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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