Mortgage Rules Changing in 2026 — What Buyers Need to Know

Wednesday, 14 January 2026

As the UAE property market continues to grow in strength and demand, homebuyers in 2026 should prepare for a dynamic landscape — especially when it comes to mortgage rules, financing options, and upfront costs. While no major confirmed changes have been publicly announced for 2026, recent updates and ongoing market activity indicate that buyers should stay informed and ready.

Here’s a breakdown of what to expect and how to prepare.

Table of Contents

• Upfront Fees Are Now a Requirement
• Off-Plan Financing Has Become More Accessible
• Strong Market Demand Means More Competitive Mortgage Deals
• Due Diligence Is More Important Than Ever
• Employment Stability and Valuation Research Are Key
• Developer Incentives Can Lower Your Total Costs
• Frequently asked questions

1. Upfront Fees Are Now a Requirement

A significant rule introduced in early 2025 requires certain fees to be paid upfront instead of being rolled into the mortgage.
This means buyers need to have more liquid capital available when starting the process.

Why this matters:

• Helps maintain transparency in total purchase cost
• Encourages more responsible borrowing
• Reduces long-term financial burden

2. Off-Plan Financing Has Become More Accessible

New updates now allow first-time buyers to secure up to 50% financing for off-plan properties before handover.

Benefits include:

• Easier entry into the property market
• Lower initial financial pressure
• Ability to buy earlier in fast-growing communities

This shift makes off-plan properties a more attractive option for young professionals and new investors.

3. Strong Market Demand Means More Competitive Mortgage Deals

The UAE real estate market continues to see strong interest from both residents and international buyers.
With this increased demand, mortgage providers are likely to offer competitive packages and flexible terms to attract clients.

What this means for buyers:

• Better interest rates
• Wider choice of financing options
• More negotiation power

4. Due Diligence Is More Important Than Ever

With a competitive marketplace, buyers must take the time to research both developers and property sellers.

Essential due diligence steps:

• Review project track records
• Cross-check previous handover timelines
• Understand payment plans clearly
• Verify property condition for ready units

This ensures confident decision-making and long-term satisfaction.

5. Employment Stability and Valuation Research Are Key

Before securing a mortgage, buyers should ensure they have stable employment and a clear understanding of the property’s valuation.

Why?

• Stable income boosts mortgage approval chances
• Valuation determines borrowing eligibility
• Helps assess potential rental yield and ROI

6. Developer Incentives Can Lower Your Total Costs

Many developers offer incentives that can affect your financing, such as flexible payment plans, fee waivers, or furnishing packages.

Buyers should look out for:

• Reduced registration fees
• Post-handover payment plans
• Service charge waivers
• Furnishing or appliance bundles

These incentives can significantly reduce your initial spending.

The mortgage landscape in 2026 is expected to remain active, promising, and competitive. With updates such as upfront fee requirements and expanded off-plan financing, buyers have more clarity and flexibility than ever before. By staying informed, researching thoroughly, and ensuring financial readiness, homebuyers can take advantage of the opportunities the growing market brings.

Whether you’re a first-time buyer or upgrading your home, understanding these evolving rules will help you make confident, future-focused decisions.