Report
Residential Mortgage
2025
Residential Mortgage Report
UAE Mortgage Market Snapshot (Full Year 2025)
| METRIC | Value |
|---|---|
| Total Property Transactions | 57667 |
| Total Property Transactions Value | 45435 |
| Mortgage – backed Transactions | 54356 |
| Total Mortgage Value | 453 |
| Mortgage – Share of Property Sales | 34543 |
| Ready Property Market Value | 543 |
| Mortgage Penetration – Ready Market (by Value) | 43543 |
Untapped Financing Opportunity
Mortgaged Supply of 2025
| Category | METRIC | Value |
|---|---|---|
| Supply & Absorption | Total Units Supplied | 7844 |
| Units Sold | 546 | |
| Absorption Rate (Sold vs Supplied) | 5645 | |
| Transactions Activity | Total Transaction | 345 |
| Market Value | Total Transaction Value | 24 |
| Mortgage Activity | Mortgage Cases | 245 |
| Total Mortgage Finance Value | 4543 | |
| Mortgage Penetration (by Value) | 4546 |
Test data for plain-15: Dubai market saw steady growth with strong demand across segments, supported by population growth and supply completions. Outlook remains positive.
Test data for plain-16: Dubai market saw steady growth with strong demand across segments, supported by population growth and supply completions. Outlook remains positive.
Test data for plain-17: Dubai market saw steady growth with strong demand across segments, supported by population growth and supply completions. Outlook remains positive.
Test data for plain-18: Dubai market saw steady growth with strong demand across segments, supported by population growth and supply completions. Outlook remains positive.
Mortgage Market Scale and Evolution Year on Year
Overall Mortgage Market Overview (2025-2026)
| METRIC | 2025 | 2026 |
|---|---|---|
| Total Transactions | 346345 | 3454 |
| Total Transactions Value (AED bn) | 435435 | 435435 |
| Total Mortgage Transactions | 45455 | 45434 |
| Total Mortgage Value (AED bn) | 7354 | 4554 |
| % of All Property Sales ( by value ) | 45 | 60 |
UAE Mortgage Market Value Trend (AED BN)
Key Insights:
Mortgage split by property type
Mortgage Split by Property Type (Value Basis)
| PROPERTY TYPE | TOTAL VALUE (AED BN) | MORTGAGE VALUE (AED BN) | MORTGAGE SHARE (%) |
|---|---|---|---|
| Apartments | 56890 | 8980 | 16% |
| Serviced / Hotel Apartments | 9990 | 38990 | 390% |
| Villas | 45456 | 45545 | 100% |
| Villa Plots | 545566 | 56656 | 10% |
Value
Apartments
Serviced / Hotel Apartments
Villas
Villa Plots
Key Insights:
Price Based Segmentation
Mortgage Value Segmentation by Price Band (2025)
| SEGMENT | PRICE BAND (AED) | MORTGAGE VALUE (AED BN) | MARKET ROLE |
|---|---|---|---|
| Affordable | < 1 Mn | 43243 | value |
| Mid-Market | 1 - 2 Mn | 4343 | 3443 |
| Upper Mid-Market | 2 - 5 Mn | 4343 | 4343 |
| Luxury | 5 - 12 Mn | 4343 | 4334 |
| Ultra-Luxury (Emerging) | 12 - 20 Mn | 3434 | 3443 |
| Ultra-Luxury (High-End) | 20 - 50 Mn | 3443 | 4343 |
| Ultra-Prime | > 50 Mn | 3443 | 3443 |
Key Insights:
Test data for rm-rich-body-rm_price_insight
Test data for rm-rich-body-rm_price_insight
Test data for rm-rich-body-rm_price_insight
Test data for rm-rich-body-rm_price_insight
Key Inferences & Conclusions
Test data for rm-rich-body-rm_price_insight
Sources: Public government data (Dubai Pulse) & Licensed market data (REIDIN)
Powered by
