Compass Mortgage

Navigate your way to your home in the UAE with an all-in-one mortgage plan

Flexible and competitive, 'Compass' from Abu Dhabi Finance is an easy and affordable solution for non-residents to own their investment property in the UAE

Loan to Value (LTV):

Up to 75% for salaried and self-employed applicants 


Currency of Mortgage

United Arab Emirates Dirham (AED).

Partial Settlement*

If you choose a Variable Interest Rate you can pay up to 30% per year free of Early Repayment Charges (calculated on the outstanding Loan amount as at the date of the Partial Settlement). Partial settlements can be made up to twice per year on your monthly repayment date, subject to a minimum of AED 5,000 per payment. Early Repayment Charges are payable on all products.

Mortgage Repayment Methods

You can choose the repayment method, customising your mortgage product to fit your specific requirements.

  • Interest-Only (available for investment properties; for a maximum of 5 years)
  • Combination of Repayment and Interest-Only Mortgage Loans ("Part and Part" Mortgages)
  • Repayment Mortgage Loan (Capital and Interest)

Payment Holiday*

You can benefit from a one month Payment Holiday each year free of deferment charges, starting in the second year of your mortgage loan.


  • Loan Protection Insurance is mandatory and Building Insurance is mandatory for completed villas and townhouses.
  • For applicable fees and charges, please refer to Schedule of Standard Fees and Charges.
  • *Minimum of 14 days notice required.
  • Terms and Conditions Apply.
  • All Applications and requests for Partial Settlement & Payment Holiday are subject to Abu Dhabi Finance approval.



Non-UAE Residents with a minimum income of AED 20,000 per month (equivalent).

Mortgage Amount

  • The minimum amount is AED 250,000 (AED 50,000 for Further Advance).
  • The maximum amount depends on each applicant’s financial eligibility and is subject to Central Bank regulations.

Property Use

Compass’ is applicable for residential properties on our approved list of developments in Abu Dhabi or Dubai.

Mortgage Term

  • Minimum - 3 years.
  • Maximum - 25 years.

Age Requirement

  • Minimum - 21 years.
  • Maximum (at loan maturity date):
    • 65 years for salaried applicants
    • 70 years for self-employed applicants

Purpose of Mortgage

Own-to-Occupy, Investment Buy to Let / Additional UAE property), Re-mortgage (Buy Out) and Further Advance Top Up).

Developers & Developments

For approved list of Developers and Developments financed by Abu Dhabi Finance please visit our development locations.

Fees & charges

Application fee

AED 3,150
( non refundable, but offset against your processing fee)

Valuation fee

AED 3,150


The above fees and charges apply to UAE Nationals and UAE Residents only. 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.


Why Abu Dhabi Finance

Our Vision

To be the most admired real estate financial services company in the UAE

Our Mission

We aim to set the standard in the real estate financial services industry by providing our clients with:

  • Expertise in the local real estate industry, based on our breadth and depth of experience
  • Transparent products and services, built on leading international standards
  • Trusted advisors throughout the real estate investment journey

About Abu Dhabi Finance

Abu Dhabi Finance is the UAE’s fastest growing leading financial services company mortgage lender, providing individuals and businesses alike with the most relevant real estate financial solutions.

Since being formed in 2008 as a private joint stock company partnership between Mubadala Development Company pjsc, Aldar Properties pjsc and ADCB, Abu Dhabi Finance has grown from strength to strength. This partnership brings years of local financial knowledge and real estate expertise, combined with the most solid financial backing in the UAE and a tangible sense of corporate social responsibility.

Abu Dhabi Finance offers innovative financial solutions ranging from residential and commercial mortgages to financial support services. This expertise, coupled with outstanding client service that sits at the heart of everything we do, has translated into numerous customer service and innovation awards since our launch. In 2013, Abu Dhabi Finance became the latest recipients of the Banker Middle East Awards, winning Best Home Finance Company and Best Home Finance Product. Abu Dhabi Finance has also won the Stevie’s Award for Customer Service and the President’s Award for Customer Experience Management for the UAE Customer Service Week STAR Awards.

In 2013, Abu Dhabi Finance expanded its footprint to Dubai, bringing its unique combination of world-class professionalism and intimate client care to the market.

We encourage our clients to aspire to the highest levels of service and to benchmark their expectations against the best internationally. It’s because we have a passion for our community and our clients that we are determined to go to extraordinary lengths to delight them and exceed their expectations.

Abu Dhabi Finance Core Values

  • At Abu Dhabi Finance we define success through the client’s eyes:
    We go to extraordinary lengths to delight our clients and we strive to exceed their expectations
  • We are dedicated to satisfying our clients and we serve them competently, efficiently, knowledgeably, and with flair

At Abu Dhabi Finance, we encourage ideas that are dynamic and creative and we strive to improve:

  • We think differently
  • We do things the right way
  • We welcome the opportunity to improve and develop ourselves and others

At Abu Dhabi Finance, we are one team where every idea and every person counts:

  • We are all equal
  • We recognize and celebrate each other’s achievements

At Abu Dhabi Finance, people and community are served with respect

  • We are proud to support the Abu Dhabi Plan 2030, to transform Abu Dhabi to a global capital city
  • We engage in our community and we embed corporate social responsibility into our business pillars
  • We give extra attention to people and change ourselves to honor our commitments