Dubai mortgages by area
Across Dubai, 29.0% of resale homes bought from August to October 2026 were mortgage-funded, and the share ranged from 18.5% in Downtown Dubai to 47.6% in Sobha Hartland. Source: Dubai Land Department records.
Published · By Aknaz Mortgages · 14 communities, resale purchases only
Share of resale homes bought with a mortgage, by area
The table lists 14 of Dubai's most traded communities, from the largest share of mortgage-funded purchases to the smallest, with all of Dubai at the bottom for comparison. 7 of the 14 areas are above the Dubai figure.
| Area | Resale purchases | With a mortgage | Share | Median price, mortgage-funded |
|---|---|---|---|---|
| Sobha Hartland | 254 | 121 | 47.6% | AED 1,720,000 |
| Al Furjan | 247 | 113 | 45.7% | AED 1,440,000 |
| Town Square | 259 | 117 | 45.2% | AED 1,400,000 |
| Damac Hills | 175 | 73 | 41.7% | AED 1,555,000 |
| Dubai Creek Harbour | 315 | 109 | 34.6% | AED 2,500,000 |
| Dubai Hills Estate | 401 | 132 | 32.9% | AED 2,350,000 |
| Jumeirah Village Circle (JVC) | 1,101 | 351 | 31.9% | AED 1,010,000 |
| Jumeirah Village Triangle (JVT) | 146 | 42 | 28.8% | AED 1,208,000 |
| Dubai South | 291 | 78 | 26.8% | AED 1,528,000 |
| Business Bay | 950 | 238 | 25.1% | AED 1,655,000 |
| Dubai Marina | 423 | 97 | 22.9% | AED 2,200,000 |
| Palm Jumeirah | 205 | 43 | 21.0% | AED 4,950,000 |
| Jumeirah Lake Towers (JLT) | 407 | 81 | 19.9% | AED 1,650,000 |
| Downtown Dubai | 455 | 84 | 18.5% | AED 2,775,000 |
| All of Dubai | 12,099 | 3,514 | 29.0% | AED 1,800,000 |
Where buyers borrow most
The highest shares were in Sobha Hartland (47.6%), Al Furjan (45.7%), Town Square (45.2%). In each of them the median mortgage-funded purchase was between AED 1,400,000 and AED 1,720,000, close to the Dubai figure of AED 1,800,000.
Where cash dominates
The smallest shares were in Downtown Dubai (18.5%), Jumeirah Lake Towers (JLT) (19.9%), Palm Jumeirah (21.0%). Downtown Dubai and Palm Jumeirah have median resale prices of AED 3 million or more, and in these areas most resale homes changed hands without a mortgage.
Mortgage-funded buyers and price
In 11 of the 14 areas, the median mortgage-funded purchase cost more than the area's median resale price: buyers who borrow tend to buy larger or newer homes within the same community. Across Dubai the median mortgage-funded resale purchase was AED 1,800,000, against AED 1,658,000 for all resale purchases.
What this means if you are buying
Banks take a view on each community, building and developer, and the bank's valuation decides how much it will lend, so the same salary can buy a different home in different areas. A licensed Aknaz advisor checks which banks lend on the home you want before you make an offer.
Check how much you can borrow in about 5 minutes, or talk to an advisor.
Method and definitions
- Period: registered resale purchases from 1 August to 31 October 2026, read on 14 November 2026.
- Resale only: purchases from developers are excluded, because off-plan purchases are rarely financed at the time they are registered.
- Mortgage-funded: purchases registered with a mortgage as the payment method.
- Areas: communities by their common names, such as JVC; a community can sit inside a larger Dubai Land Department district.
- Prices: medians, so a few very large sales do not move them.
Using these figures
Dubai mortgages by area, August to October 2026. Aknaz Mortgages, aknaz.ai/dubai-mortgage-market/by-area. Data: Dubai Land Department.
All Dubai mortgage market data
Frequently asked questions
In which Dubai areas do most buyers use a mortgage?
From August to October 2026, the highest shares of resale homes bought with a mortgage were in Sobha Hartland (47.6%), Al Furjan (45.7%), Town Square (45.2%). Across all of Dubai the share was 29.0%. These figures cover resale purchases only and come from Dubai Land Department records.
In which Dubai areas do most buyers pay cash?
Cash was most common in Downtown Dubai (18.5%), Jumeirah Lake Towers (JLT) (19.9%), Palm Jumeirah (21.0%), against 29.0% for all of Dubai. In each of these areas roughly four in five resale homes were bought without a mortgage.
How many resale homes in Dubai are bought with a mortgage?
From August to October 2026, 3,514 of 12,099 resale purchases in Dubai were funded with a mortgage, or 29.0%. The median price of a mortgage-funded resale purchase was AED 1,800,000.
Can I get a mortgage for a home in any Dubai area?
Banks lend across Dubai, but each bank has its own view of particular buildings, developers and property types, and the valuation decides how much it lends. A licensed Aknaz advisor checks which banks will lend on the home you want before you make an offer.
Found the area? Check what you can borrow
An estimate in about 5 minutes, then a licensed advisor compares lenders for the home you want.