Taillored specially for the needs of UAE Nationals and Residents, our 'Essence' home loan combines a number of market-leading features and benefits to give you one of the best products available in the market.

This product can be used to buy, refinance or release equity for residential properties in the UAE for both end users and investors.


  • Want to minimize your down payment? Finance up to 85% of the property value if you're a UAE National, and up to 80% if you're a UAE Resident.
  • Don't want the hassle of transferring your salary from your existing bank? You don’t have to.
  • Want to settle your loan faster? Pay off up to 30% of the outstanding balance each year free of charge.
  • Think your job role or company size restricts you from getting a loan? We offer finance to all types of profession and size of company.
  • Need a break from monthly repayments? We offer a payment holiday once a year at no cost.


Borrow as little as AED 250,000 for a term of between 3 and 25 years.

If you're a UAE National:

  • Aged between 18 - 70
  • Employed or self-employed.

If you're UAE Resident:

  • Aged between 18 - 65 (70 if self-employed)
  • Employed or self-employed

The maximum loan amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations.

Fees & Charges

Application Fee:

  • AED 3,150
  • Non-refundable, but offset against your processing fee.

Processing Fee:

  • 0.75% of loan amount
  • Non-refundable.

Valuation Fee:

  • AED 3,150

All fees and charges mentioned above are inclusive of Value Added Tax (VAT) and are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance PJSC. Conditions apply.

For our standard Residential Loan Servicing Fees and Charges, please click here.

Frequently Asked Questions

We are a specialist conventional mortgage lender for residential and commercial property in the UAE.

You can apply for a home loan with us by calling 800 ADF (233) or through our website. You can discuss your needs with a member of our home loan team, who will conduct an initial fact-find interview to ensure that you have a clear picture of what will be required.

Variable home loans comprise 2 elements:

  1. 1. A portion which is linked to a country's central bank interest rate for a fixed period. For the UAE, this is called the Emirates Interbank Offered Rate (EIBOR) and for ADF, we link this to 3 Months EIBOR.
  2. 2. A fixed margin which is applied by the lender.

Interest is calculated based on the daily principal outstanding balance on your home loan account. Your monthly instalment will be applied against your outstanding balance, plus the interest accrued.

An independent valuation of the property is mandatory and is conducted by the banks' empanelled valuers. The loan amount is then calculated by the lender based on the valuation amount provided by the valuer. In cases where the valuation price is lower than the SPA (Sales & Purchase Agreement) price resulting in the loan amount being lower than expected, the buyer may be required to provide a higher down payment.

The higher the down payment,  the lower the loan amount. Loan-to-value (LTV) is a financial term used by lenders to express the ratio of the loan amount against the value of the property. While it may be tempting to apply for the highest LTV in order to minimise the down payment needed, it is important to take into account future cash flow requirements based on the loan amount in order to ensure that future repayments are manageable.

We offer unrelated parties a joint mortgage, however in accordance with local customs, this is providing that they are of the same gender and are not intending to use the property to live in themselves.

There is no need to change your current banking relationships, as long as you have a personal bank account in the UAE.

You need to be at least 21 years old to get a home loan and should not exceed the age of 70 for UAE National and Self-Employed and 65 for Salaried UAE Residents at the end of the Loan Term.

Abu Dhabi Finance offers home loans for residential properties in Abu Dhabi, Dubai & Northern Emirates.

No, we are a specialist conventional (Non-Islamic) Home Loan lender for residential and commercial properties.

Yes, we can consider this. However, all the applicant whose income will be considered will have to be the co-borrowers to the loan.

Charges associated with processing a home loan include but not limited to home loan processing fee, Insurance premium, home loan and property registration charges, valuation fee.

Yes, it is advisable. We at ADF work out your maximum eligibility before you look for probable properties. Once approved you could look for the property that would be affordable. Charges are applicable.

Yes. Both life and property Assurance are mandatory but don't worry, we can take care of everything on your behalf.

You will be required to repay the full outstanding balance of your home loan (principal plus interest) owing up to the time of sale, whereupon we will release our security over the property.

Terms & Conditions

Coming soon