Aknaz Dubai Mortgage Index: October 2026
Dubai recorded 4,627 mortgage registrations in October 2026, up 8.6% on September 2026 and the most of any month in 2026. That is 38.8 mortgages for every 100 property sales, and 28.6% of resale homes bought in October were funded with a mortgage. Source: Dubai Land Department records.
Published · Data read on · By Aknaz Mortgages · Preliminary
Key figures
| Measure | October 2026 | September 2026 | Change |
|---|---|---|---|
| Mortgage registrations | 4,627 | 4,261 | +8.6% |
| Property sales | 11,937 | 11,340 | +5.3% |
| Mortgages per 100 sales | 38.8 | 37.6 | +1.2 |
| Resale homes bought with a mortgage | 28.6% | 28.3% | +0.4 pts |
Registrations and sales: the last six months
Property sales in October were up 5.3% on September 2026, while mortgage registrations were up 8.6%. Over the six months to October, mortgages per 100 sales went from 25.0 to 38.8: a larger share of the market now involves a home loan.
| Month | Mortgage registrations | Property sales | Mortgages per 100 sales |
|---|---|---|---|
| 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 Dubai homes were paid for
28.6% of resale homes bought in October 2026 were funded with a mortgage and the rest were paid in cash. For 2026 to date the share is 26.4%: 26.2% for apartments and 32.2% for villas, against 24.9% and 24.2% in 2025. These shares cover resale deals only.
| Year | All property | Apartments | Villas |
|---|---|---|---|
| 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% |
Loan sizes: mortgages by property price
In 2026 to date, 82.1% of mortgage registrations were on homes under AED 3 million, 12.2% on homes from AED 3 million to 6 million and 5.7% above AED 6 million. In 2025 the shares were 82.7%, 12.0% and 5.3%.
| 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%) |
Year to date
From January to October 2026, Dubai recorded 39,558 mortgage registrations and 136,026 property sales. The whole of 2025 had 50,974 registrations and 215,608 sales.
What this means if you are buying
More of Dubai's buyers are financing their purchase, so banks are handling more applications and each one sets its own policy on salary, property and valuation within the Central Bank's limits. The same buyer can therefore receive different answers from different banks. A licensed Aknaz advisor compares lenders for your case and prepares your file before any bank sees it.
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Method and definitions
- Mortgage registrations are mortgages recorded by the Dubai Land Department. They include refinancing and lending against land and commercial property, so they are not the same as new home loans.
- Resale share covers resale purchases only; purchases from developers and refinancing are excluded.
- Mortgages per 100 sales divides registrations by property sales in the same month (Aknaz calculation from Dubai Land Department records.)
- Preliminary: figures were read on 12 November 2026. The Dubai Land Department adds registrations after the fact, so recent months can rise in later readings.
- Source: Dubai Land Department transaction records.
Using these figures
Aknaz Dubai Mortgage Index, October 2026. Aknaz Mortgages, aknaz.ai/dubai-mortgage-market/october-2026. Data: Dubai Land Department.
All Dubai mortgage market data
Frequently asked questions
How many mortgages were registered in Dubai in October 2026?
Dubai recorded 4,627 mortgage registrations in October 2026, up 8.6% on September 2026, according to Dubai Land Department records. The count includes refinancing and lending against land and commercial property, and it is preliminary.
What share of Dubai resale homes were bought with a mortgage in October 2026?
28.6% of resale purchases in Dubai in October 2026 were funded with a mortgage, +0.4 pts on September 2026. For 2026 to date the share is 26.4%, against 24.3% for the whole of 2025.
How many mortgages were there per property sale in Dubai in October 2026?
There were 38.8 mortgage registrations for every 100 property sales in October 2026, up from 37.6 in September 2026. This ratio is an Aknaz calculation from Dubai Land Department records; it compares two counts and does not track individual purchases.
How many Dubai mortgages were registered from January to October 2026?
From January to October 2026, Dubai recorded 39,558 mortgage registrations and 136,026 property sales across 10 months. The full year 2025 had 50,974 registrations.
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