Dubai mortgage market data
Dubai recorded 4,627 mortgage registrations in October 2026, the most of any month in 2026, according to Dubai Land Department records. That is 38.8 mortgages for every 100 property sales, and 28.6% of resale homes bought that month were funded with a mortgage.
Last updated: · By Aknaz Mortgages · Monthly, from Dubai Land Department records
Key figures for October 2026
- 4,627Mortgage registrations (+8.6% on the month before)
- 38.8Mortgages per 100 property sales
- 28.6%Resale homes bought with a mortgage (+0.4 pts)
- 39,558Registrations, January to October 2026
Source: Dubai Land Department records. Ratios and changes: Aknaz calculation from Dubai Land Department records. Read on 12 November 2026; recent months are preliminary.
Mortgage registrations by month
Mortgage registrations held up through 2026 while property sales fell, so mortgages per 100 sales rose from 24.7 in January to 38.8 in October. The table shows each closed month; the month in progress is left out until it ends.
| Month | Mortgage registrations | Property sales | Mortgages per 100 sales |
|---|---|---|---|
| January 2026 | 4,270 | 17,295 | 24.7 |
| February 2026 | 3,875 | 17,112 | 22.6 |
| March 2026 | 3,686 | 13,539 | 27.2 |
| April 2026 | 4,077 | 14,074 | 29.0 |
| May 2026 | 2,573 | 10,298 | 25.0 |
| June 2026 | 3,916 | 14,107 | 27.8 |
| July 2026 | 4,505 | 14,243 | 31.6 |
| August 2026 | 3,768 | 12,081 | 31.2 |
| September 2026 | 4,261 | 11,340 | 37.6 |
| October 2026 | 4,627 | 11,937 | 38.8 |
How many Dubai homes are bought with a mortgage?
About one in four resale homes in Dubai is bought with a mortgage, and the share has risen every year since 2023. Villas swing more than apartments: their mortgage share fell from above half before 2022 to under a quarter in 2024, and has climbed back to 32.2% in 2026.
| Year | All property | Apartments | Villas |
|---|---|---|---|
| 2014 | 18.1% | 17.1% | 38.8% |
| 2015 | 22.3% | 20.4% | 47.0% |
| 2016 | 26.2% | 24.6% | 50.8% |
| 2017 | 27.4% | 25.5% | 49.2% |
| 2018 | 29.8% | 27.1% | 55.7% |
| 2019 | 27.3% | 24.1% | 54.5% |
| 2020 | 28.9% | 24.0% | 54.6% |
| 2021 | 30.2% | 26.1% | 53.3% |
| 2022 | 23.5% | 21.0% | 43.1% |
| 2023 | 20.4% | 19.4% | 32.4% |
| 2024 | 20.9% | 21.2% | 22.5% |
| 2025 | 24.3% | 24.9% | 24.2% |
| 2026 (year to date) | 26.4% | 26.2% | 32.2% |
Dubai mortgage registrations and sales since 2014
Registrations have more than doubled since 2020. Values include refinancing and lending against land, plots and commercial buildings, so the average registration is far above a typical home loan.
| Year | Mortgage registrations | Mortgage value | Property sales | Sales value |
|---|---|---|---|---|
| 2014 | 15,748 | 103.9 | 56,196 | 140.4 |
| 2015 | 15,273 | 126.0 | 47,190 | 127.0 |
| 2016 | 18,153 | 136.8 | 41,188 | 105.7 |
| 2017 | 19,357 | 133.7 | 47,226 | 116.5 |
| 2018 | 19,668 | 119.2 | 32,962 | 75.4 |
| 2019 | 19,040 | 142.0 | 38,734 | 79.0 |
| 2020 | 19,028 | 88.1 | 34,725 | 71.0 |
| 2021 | 28,095 | 128.2 | 61,129 | 150.8 |
| 2022 | 26,010 | 226.0 | 96,518 | 263.7 |
| 2023 | 33,460 | 162.3 | 133,638 | 412.3 |
| 2024 | 41,588 | 187.3 | 181,699 | 524.6 |
| 2025 | 50,974 | 179.3 | 215,608 | 686.3 |
| 2026 (to 12 November 2026) | 41,280 | 172.1 | 140,162 | 429.0 |
Mortgages by property price
Homes under AED 3 million account for most registrations, but the AED 3 million to 6 million band has grown fastest, from 1,015 registrations in 2020 to 6,113 in 2025.
| Year | Under AED 3M | AED 3M to 6M | Over AED 6M |
|---|---|---|---|
| 2020 | 17,126 (90.0%) | 1,015 (5.3%) | 887 (4.7%) |
| 2021 | 24,563 (87.4%) | 2,247 (8.0%) | 1,285 (4.6%) |
| 2022 | 21,223 (81.6%) | 2,510 (9.7%) | 2,277 (8.8%) |
| 2023 | 27,866 (83.3%) | 3,727 (11.1%) | 1,867 (5.6%) |
| 2024 | 34,745 (83.5%) | 4,745 (11.4%) | 2,098 (5.0%) |
| 2025 | 42,140 (82.7%) | 6,113 (12.0%) | 2,721 (5.3%) |
| 2026 (year to date) | 33,900 (82.1%) | 5,024 (12.2%) | 2,356 (5.7%) |
Mortgages by area
Which communities buyers finance and where cash dominates: the share of resale homes bought with a mortgage in Dubai's most traded areas. See Dubai mortgages by area.
Monthly reports
What this means if you are buying
More buyers are financing their purchase, which means more applications reach the banks at the same time. Banks set their own policies on salary, property type and valuation within the Central Bank's limits, so the same buyer can receive different offers. A licensed advisor compares lenders for your case and prepares your file before it goes to a bank.
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Method and definitions
- Mortgage registration: a mortgage recorded by the Dubai Land Department. The counts include refinancing and lending against land and commercial property, so they are not the same as new home loans.
- Share bought with a mortgage: resale purchases only; purchases from developers and refinancing are excluded.
- Mortgages per 100 sales: registrations divided by property sales in the same month, times 100 (Aknaz calculation from Dubai Land Department records.)
- Revisions: the Dubai Land Department adds registrations after the fact, so recent months rise slightly in later readings. Each update uses the newest reading.
- Source: Dubai Land Department transaction records, read on 12 November 2026.
Using these figures
Aknaz Dubai Mortgage Index, October 2026. Aknaz Mortgages, aknaz.ai/dubai-mortgage-market. Data: Dubai Land Department.
Journalists and researchers may quote these figures with the citation above and a link to this page.
Frequently asked questions
How many mortgages are registered in Dubai each month?
Dubai recorded 4,627 mortgage registrations in October 2026, against 4,261 the month before. From January to October 2026 the total was 39,558. The counts include refinancing and lending against land and commercial property, and recent months are revised upwards as registrations are added.
What share of Dubai homes are bought with a mortgage?
In 2026 to date, 26.4% of resale purchases in Dubai were funded with a mortgage: 26.2% of apartments and 32.2% of villas. The share was 20.4% in 2023. These shares cover resale deals only; purchases from developers are not included.
How large are most mortgages in Dubai?
Most mortgages are on homes under AED 3 million: 82.1% of registrations in 2026 to date. Homes priced from AED 3 million to 6 million made up 12.2%, and homes above AED 6 million 5.7%. The bands describe the property price, not the loan amount.
Where do these Dubai mortgage figures come from?
The figures are Dubai Land Department transaction records. Aknaz Mortgages compiles them each month and works out the ratios, such as mortgages per 100 sales. The latest reading was taken on 12 November 2026, and each table names its source.
How do I find out how much I can borrow in Dubai?
Use the free eligibility check on this site: it estimates your maximum loan and monthly instalment in about 5 minutes. A licensed Aknaz advisor then compares lenders for your case, and for salaried applicants the bank's pre-approval can come back in 5 minutes once the application is submitted.
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