Links your mortgage with your savings/current account. Interest is charged only on the difference between the mortgage balance and your account balance. Helps reduce interest and term of the loan.

Interest rate fluctuates based on market conditions. Initial rate may be lower than fixed-rate. Better for buyers who expect rates to drop or plan to sell/refinance in a few years.

Interest rate stays the same for a fixed period (typically 1 to 5 years). Predictable monthly payments. Ideal for those who want stability and long-term planning.

Transfer your mortgage to another bank offering better rates, terms, or promotional deals to reduce costs.It’s a smart move for optimizing your repayment structure or unlocking equity with more flexibility.

Based on Islamic finance principles (no interest charged).
Common options include:

• Ijara (lease-to-own)

• Murabaha (cost-plus-profit purchase)

Available for both residents and non-residents.

You pay only the interest for an initial period (usually 5–10 years), with lower monthly payments at the start. The full loan amount is due later — ideal for investors expecting capital gains or short-term returns.

Designed for overseas buyers seeking to invest in Dubai’s property market with long-term potential. Requires a larger down payment and extra documentation but opens doors to premium assets abroad.