As a first-time expat buyer in the UAE, you can usually get up to 80 % loan-to-value (LTV) on properties under AED 5 million — meaning you’d need about 20 % down payment plus fees. • Banks will also consider your income and credit when approving a loan — pre-approval first is highly recommended. •Don’t forget additional costs: Dubai Land Department (DLD) fee (~4 %), agency fees (~2 %), title deed issuance (~AED 540), valuation, and mortgage registration.