Aknaz Mortgages is a RERA- and DET-licensed mortgage broker and advisory firm in Business Bay, Dubai, arranging home loans for every type of buyer in the UAE.https://aknaz.ai/enhttps://aknaz.ai/guides/50-percent-dbr-rule/https://aknaz.ai/guides/50-percent-dbr-rule/The 50% debt-burden ratio (DBR) rule caps your monthly debt repayments, including the new mortgage, at half of your gross monthly income. Banks also apply their own internal stress rate, so the instalment they test can be higher than your actual one, which lowers the most you can borrow.Fri, 06 Nov 2026 00:00:00 GMThttps://aknaz.ai/guides/minimum-salary-for-a-uae-mortgage/https://aknaz.ai/guides/minimum-salary-for-a-uae-mortgage/Most UAE banks look for a monthly salary of AED 15,000 for an expat mortgage, and some accept from AED 10,000. Salary alone does not decide it, because your new instalment plus existing debts must stay within 50% of your gross monthly income, and the loan cannot exceed the loan-to-value limit for the property.Fri, 06 Nov 2026 00:00:00 GMThttps://aknaz.ai/guides/mortgage-broker-vs-mortgage-advisor-uae/https://aknaz.ai/guides/mortgage-broker-vs-mortgage-advisor-uae/In the UAE, mortgage broker is the licensed category, and Aknaz holds Dubai Land Department registration number 48584. Mortgage advisor describes how the service is delivered, by a person who explains your options and works for you. Aknaz is both, and its advisors work fully for the client.Fri, 06 Nov 2026 00:00:00 GMThttps://aknaz.ai/guides/offset-mortgage-uae/https://aknaz.ai/guides/offset-mortgage-uae/An offset mortgage charges interest on your loan minus your linked account balance: AED 50,000 saved against an AED 800,000 loan means interest on AED 750,000. Your savings stay available to withdraw, and the interest saved shortens the loan. Standard Chartered and RAKBANK offer it in the UAE, each with its own fees and conditions.Fri, 06 Nov 2026 00:00:00 GMThttps://aknaz.ai/guides/uae-mortgage-guide/https://aknaz.ai/guides/uae-mortgage-guide/Check eligibility against the 50% debt-burden ratio, get a pre-approval, pass the valuation, sign the final offer and transfer at the DLD. Aknaz handles each step for you, from the bank application to the transfer day, so you deal with one advisor instead of each bank.Fri, 06 Nov 2026 00:00:00 GMThttps://aknaz.ai/guides/uae-mortgage-ltv-and-down-payment/https://aknaz.ai/guides/uae-mortgage-ltv-and-down-payment/An expat buying a first home under AED 5,000,000 needs at least 20% of the price in cash, because the loan is capped at 80%. Higher prices, second homes and off-plan need more. The deposit comes from your own funds, and purchase fees are paid on top of it.Fri, 06 Nov 2026 00:00:00 GMT