Licensed mortgage advisory · Licence No. 1660136
Licensed mortgage advisory · Licence No. 1660136
Mortgage services · Islamic
Islamic Mortgages in Dubai and the UAE
An Islamic mortgage uses a Sharia-compliant structure such as Ijara, where the bank buys the home and leases it to you until you own it.
Islamic
01
Ijara and Murabaha explained
Ijara: the bank buys the property and leases it to you. Your payments cover rent and a share toward ownership, and the title passes to you at the end of the term.
Murabaha: the bank buys the property and sells it to you at an agreed higher price, paid in instalments. The profit is fixed at the start.
02
Islamic versus conventional costs
An Islamic mortgage is not automatically cheaper or more expensive. Profit rates, fees and early settlement terms vary by bank, so we compare the total cost against a conventional offer before you decide.
03
Which banks offer Islamic home finance
Several UAE banks, including dedicated Islamic banks and the Islamic windows of conventional banks, offer Sharia-compliant home finance. We compare the ones that fit your profile and explain each structure.
04
Documents and approval
Central Bank lending rules and each bank’s own criteria still apply. You provide the same core documents as for a conventional application, and the bank decides on approval.
FAQ
Islamic questions, answered
The bank buys the property and leases it to you. Your payments cover rent and a share toward ownership, and the title passes to you at the end of the term.
The bank buys the property and sells it to you at an agreed higher price, paid in instalments. The profit is fixed at the start.
Not necessarily. Profit rates and fees vary by bank, so we compare the total cost against a conventional offer.
Central Bank loan-to-value and debt burden rules also apply to Islamic finance, and then each bank applies its own criteria.
In many cases yes, through a buyout by an Islamic bank, subject to approval and the early settlement costs on your current loan.
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Related services and areas
Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.
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