Your Dream Home in Dubai – Now Made Easier with BIXAA

Own Your Home in Dubai – With Cash or Mortgage

Buying property in Dubai is one of the smartest investments you can make, and you have two ways to do it—pay in cash or finance it with a mortgage.

While a cash purchase helps you save on interest, a mortgage gives you the flexibility to own your dream home while managing your finances smartly. If you're looking for the best mortgage options in Dubai, we’ve got you covered.

💡 And here’s the game-changer: We’ve partnered with ADCB Dream Home to offer you instant pre-approved home loans—so you can buy your property without delays or stress.

If you’ve been searching for "best mortgage rates in Dubai," "how to get a mortgage in Dubai," or "home loans for expats"—you’re in the right place.

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✅ Who Can Get a Mortgage in Dubai?

If you meet these criteria, you’re eligible to finance your dream home:

✔ UAE Nationals & Expats (Residents & Non-Residents)
✔ Aged 21 to 65 (At the time of the final payment)
✔ Minimum monthly income:
    • AED 15,000 (Salaried Employees)
    • AED 25,000 (Self-Employed)

🔹 Good news for non-residents! While options are limited, some banks still offer mortgages for foreign investors. Our team can help you find the best financing solutions available.

📌 Remember: Some banks have additional criteria, such as minimum employment period or specific employer requirements.

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📝 Documents Required for a Mortgage in Dubai

Getting a mortgage isn’t complicated when you have everything in place. Here’s what you need:

For UAE Residents:

📄 Passport copy & Emirates ID
🏦 Bank statements (last 6 months)
📑 Salary certificate (for employed buyers)
📜 Tenancy contract or DEWA bill (for proof of residence)
💳 Credit card statements (latest)

For Non-Residents:

📄 Passport copy
🏦 Bank statements (last 3 months)

Once you have these, you’re one step closer to owning your home in Dubai!

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📌 The Step-by-Step Mortgage Process in Dubai

Want to finance your property purchase? Here’s how it works:

Step 1: Choose the Right Mortgage

Fixed-rate or variable-rate? We help you find the most affordable and flexible home loan options based on:
✔ Your budget & income
✔ Loan amount
✔ Interest rate & monthly payments

💡 Our online mortgage calculator can give you an instant estimate of your monthly mortgage payments.

Step 2: Get Pre-Approved Instantly

A mortgage pre-approval strengthens your buying power and ensures you can secure financing before you even start house hunting.

✔ Instant pre-approvals with ADCB Dream Home
✔ Know your maximum loan eligibility
✔ Speeds up the buying process

💡 Pre-approval letters are valid for 60-90 days, so you have enough time to find the perfect property.

Step 3: Find Your Dream Home

Once your budget is set, it’s time to choose your property!

💎 Luxury apartments, villas, off-plan properties—Dubai has it all. And we’ll help you find the best one!

Step 4: Finalize the Mortgage & Property Purchase

✔ The bank assigns a property evaluator to verify its value.
✔ You sign the final agreement with the lender.
✔ The bank transfers the loan amount to the seller.
✔ Congratulations! You're now a property owner in Dubai.

🚀 BIXAA ensures the entire process is smooth, fast, and hassle-free!

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⚠️ Why You Should NEVER Buy a Property Without BIXAA

❌ What You Risk By Choosing Other Brokers

❌ No Price Negotiation – Other brokers don’t negotiate better mortgage rates or property discounts for you.
❌ No Expert Mortgage Assistance – Most brokers only sell homes, but we help you get the best financing deals too!
❌ No Legal Protection – Other brokers make verbal promises they don’t put in writing.
❌ No After-Sales Support – Once the deal is done, you’re left alone to handle everything else.

💡 At BIXAA, every commitment we make is legally documented—so you’re 100% protected.

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🚨 What Happens If You Buy Directly From a Developer?

Thinking of going straight to a developer? Here’s what they won’t tell you:

❌ No Discounts or Negotiation – Developers only offer fixed prices, meaning you’ll pay more than necessary.
❌ No Mortgage Assistance – They won’t help you find the best mortgage plan. You’re on your own.
❌ No Market Comparison – Developers only promote their own projects, even if better investments exist elsewhere.
❌ No Resale or Rental Support – Need to sell or rent your property later? Developers won’t help you.

💡 At BIXAA, we compare all properties, secure the best financing, and ensure a smooth journey from purchase to rental or resale.

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🚀 Choose BIXAA & Secure Your Future Today

📞 Want expert guidance? Let’s make your Dubai homeownership dream a reality!

✅ Best Mortgage Deals & Instant Pre-Approvals
✅ Legal Protection With Written Commitments
✅ Exclusive Discounts & Price Negotiations
✅ End-to-End Property Buying Support

📲 Contact us today & let’s get you pre-approved for your home loan instantly! 🚀