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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-20264,27017,295
Feb-20263,87517,112
Mar-20263,68613,539
Apr-20264,07714,074
May-20262,57310,298
Jun-20263,91614,107
Jul-20264,50514,243
Aug-20263,76812,081
Sep-20264,26111,340
Oct-20261,1954,066

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
202550,974215,608
202636,126128,155

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
2026154B394B

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
Peninsula One, Business Bay

Ready Apartment

11-Sep-2026

Individual

AED 2.2M

AED 2.9M

78.6 % LTV
2 Beds

1,133 sqft

Azizi Riviera 45, Al Merkadh

Ready Apartment

11-Sep-2026

Individual

AED 760K

AED 950K

80 % LTV
1 Bed

514 sqft

Palace Tower T2, Palace Tower, Dubai Silicon Oasis

Ready Apartment

11-Sep-2026

Individual

AED 672K

AED 840K

80 % LTV
2 Beds

990 sqft

Binghatti Azure, Jumeirah Village Circle (JVC)

Ready Apartment

11-Sep-2026

Individual

AED 880K

AED 1.1M

77.19 % LTV
1 Bed

729 sqft

The Distinction, Downtown Dubai

Ready Apartment

11-Sep-2026

Individual

AED 1.4M

AED 1.7M

80 % LTV
2 Beds

1,242 sqft

Sidra 1, Sidra Villas, Dubai Hills Estate

Ready Villa

11-Sep-2026

Individual

AED 6.6M

AED 9.4M

70 % LTV
4 Beds

5,061 sqft

Costa Brava 1, Damac Lagoons

Ready Villa

11-Sep-2026

Individual

AED 2.4M

AED 3M

80 % LTV
4 Beds

1,548 sqft

Crest Grande, Sobha Hartland, Al Merkadh

Ready Apartment

11-Sep-2026

Individual

AED 1.7M

AED 2.1M

80 % LTV
1 Bed

1,039 sqft

Golf Links, Emaar South

Ready Villa

11-Sep-2026

Individual

AED 4M

AED 5M

80 % LTV
4 Beds

7,132 sqft

Carson (B), Damac Hills

Ready Apartment

11-Sep-2026

Individual

AED 420K

AED 600K

70 % LTV
Studio

407 sqft

Belgravia 2, Jumeirah Village Circle (JVC)

Ready Apartment

11-Sep-2026

Individual

AED 1.4M

AED 1.8M

75 % LTV
2 Beds

1,362 sqft

LIV Waterside, Dubai Marina

Ready Apartment

11-Sep-2026

Developer

AED 2.3M

AED 4M

55.7 % LTV
2 Beds

1,175 sqft

Raya, Arabian Ranches 3, Wadi Al Safa 5

Ready Townhouse

11-Sep-2026

Individual

AED 3.2M

AED 4M

80 % LTV
4 Beds

2,674 sqft

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Explore Property Prices by Beds

  • Business Bay

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  • Downtown Dubai

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  • Dubai Marina

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  • Palm Jumeirah

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  • Dubai Creek Harbour

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  • Dubai South

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  • Jumeirah Village Circle

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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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