This page provides a detailed comparative analysis of mortgage-related activity in the Dubai real estate market 2026 vs. 2025, helping investors, analysts, agents and property professionals understand how mortgage financing trends have evolved over time.
2026 YOY
| Cash | Mortgage | |
|---|---|---|
| 2014 | 82 | 18 |
| 2015 | 78 | 22 |
| 2016 | 74 | 26 |
| 2017 | 73 | 27 |
| 2018 | 70 | 30 |
| 2019 | 73 | 27 |
| 2020 | 71 | 29 |
| 2021 | 70 | 30 |
| 2022 | 76 | 24 |
| 2023 | 80 | 20 |
| 2024 | 79 | 21 |
| 2025 | 76 | 24 |
| 2026 YTD | 74 | 26 |
The analysis captures true capital deployment in the resale market.
Refinance and primary market registrations are excluded to prevent artificial inflation of transaction volumes.
| Mortgage | Sale | |
|---|---|---|
| Jan-2026 | 4,270 | 17,295 |
| Feb-2026 | 3,875 | 17,112 |
| Mar-2026 | 3,686 | 13,539 |
| Apr-2026 | 4,077 | 14,074 |
| May-2026 | 2,573 | 10,298 |
| Jun-2026 | 3,916 | 14,107 |
| Jul-2026 | 4,505 | 14,243 |
| Aug-2026 | 3,768 | 12,081 |
| Sep-2026 | 4,261 | 11,340 |
| Oct-2026 | 4,627 | 11,937 |
| Mortgage | Sale | |
|---|---|---|
| 2014 | 15,748 | 56,196 |
| 2015 | 15,273 | 47,190 |
| 2016 | 18,153 | 41,188 |
| 2017 | 19,357 | 47,226 |
| 2018 | 19,668 | 32,962 |
| 2019 | 19,040 | 38,734 |
| 2020 | 19,028 | 34,725 |
| 2021 | 28,095 | 61,129 |
| 2022 | 26,010 | 96,518 |
| 2023 | 33,460 | 133,638 |
| 2024 | 41,588 | 181,699 |
| 2025 | 50,974 | 215,608 |
| 2026 YTD | 41,280 | 140,609 |
| Mortgage | Sale | |
|---|---|---|
| 2014 | 104B | 140B |
| 2015 | 126B | 127B |
| 2016 | 137B | 106B |
| 2017 | 134B | 117B |
| 2018 | 119B | 75B |
| 2019 | 142B | 79B |
| 2020 | 88B | 71B |
| 2021 | 128B | 151B |
| 2022 | 226B | 264B |
| 2023 | 162B | 412B |
| 2024 | 187B | 525B |
| 2025 | 179B | 686B |
| 2026 YTD | 172B | 430B |
| <3M | 3-6M | >6M | |
|---|---|---|---|
| 2020 | 17,126 | 1,015 | 887 |
| 2021 | 24,563 | 2,247 | 1,285 |
| 2022 | 21,223 | 2,510 | 2,277 |
| 2023 | 27,866 | 3,727 | 1,867 |
| 2024 | 34,745 | 4,745 | 2,098 |
| 2025 | 42,140 | 6,113 | 2,721 |
| 2026 YTD | 33,900 | 5,024 | 2,356 |
| 2 Beds 1,372 sqft |
| Oasis Star, Dubai Silicon Oasis Ready Apartment | 06-Nov-2026 Individual | 584K 730K | 80 % LTV | 1 Bed 1,100 sqft |
| Silicon Star 2, Dubai Silicon Oasis Ready Building | 06-Nov-2026 Individual | 315K 535K | 58.88 % LTV | Studio 440 sqft |
| Santorini 3, Damac Lagoons Ready Villa | 06-Nov-2026 Individual | 4.3M 6.2M | 70 % LTV | 6 Beds 4,650 sqft |
| Elora, The Valley, Al Yufrah 1 Ready Townhouse | 06-Nov-2026 Individual | 1.8M 2.6M | 70.12 % LTV | 3 Beds 1,483 sqft |
| Murjan 3, Jumeirah Beach Residence (Jbr) Ready Apartment | 06-Nov-2026 Individual | 2.9M 3.6M | 80 % LTV | 3 Beds 2,673 sqft |
| Binghatti Apex, Jumeirah Village Circle (JVC) Ready Apartment | 06-Nov-2026 Individual | 540K 725K | 74.48 % LTV | Studio 433 sqft |
| Lillia, The Valley, Al Yufrah 1 Ready Townhouse | 06-Nov-2026 Individual | 2M 2.7M | 74.07 % LTV | 3 Beds 1,483 sqft |
| Crest Grande, Sobha Hartland, Al Merkadh Ready Apartment | 06-Nov-2026 Individual | 1.2M 1.5M | 78.95 % LTV | 1 Bed 754 sqft |
| Ixora Villas, Al Barari, Wadi Al Safa 3 Ready Townhouse | 06-Nov-2026 Individual | 5.2M 8M | 65 % LTV | 4 Beds 2,368 sqft |
| Al Ghurair Residence 1, Wadi Al Safa 3 Offplan Apartment | 06-Nov-2026 Individual | 920K 1.2M | 80 % LTV | 1 Bed 1,004 sqft |