Report
Automation Residential Mortgage 2027
2027
Residential Mortgage Report
Mortgage snapshot (Full Year 2027)
| METRIC | Value |
|---|---|
| Total Property Transactions | 42 |
| Total Property Transactions Value | 18.6 |
| Mortgage – backed Transactions | 3.9 |
| Total Mortgage Value | 62 |
| Mortgage – Share of Property Sales | 11 |
| Ready Property Market Value | 7.4 |
| Mortgage Penetration – Ready Market (by Value) | 2.1 |
Where finance still clears
Mortgaged Supply of 2027
| Category | METRIC | Value |
|---|
Mortgage Market Scale and Evolution Year on Year
Overall Mortgage Market Overview (2024-2025)
| METRIC | 2024 | 2025 |
|---|---|---|
| Total Transactions | 12.5 | 12.5 |
| Total Transactions Value (AED bn) | 12.5 | 12.5 |
| Total Mortgage Transactions | 12.5 | 12.5 |
| Total Mortgage Value (AED bn) | 12.5 | 12.5 |
| % of All Property Sales ( by value ) | 12.5 | 12.5 |
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 (%) |
|---|---|---|---|
| Apartment | 40.0 | 18.0 | 45% |
| Villa | 22.0 | 9.0 | 41% |
| Townhouse | 8.0 | 3.2 | 40% |
| Other | 4.0 | 1.1 | 28% |
Value
Apartment
Villa
Townhouse
Other
Key Insights:
Price Based Segmentation
Mortgage Value Segmentation by Price Band (2027)
| SEGMENT | PRICE BAND (AED) | MORTGAGE VALUE (AED BN) | MARKET ROLE |
|---|---|---|---|
| Affordable | < 1 Mn | 8.4 | Core demand |
| Mid-Market | 1 - 2 Mn | 8.4 | Core demand |
| Upper Mid-Market | 2 - 5 Mn | 8.4 | Core demand |
| Luxury | 5 - 12 Mn | 8.4 | Core demand |
| Ultra-Luxury (Emerging) | 12 - 20 Mn | 8.4 | Core demand |
| Ultra-Luxury (High-End) | 20 - 50 Mn | 8.4 | Core demand |
| Ultra-Prime | > 50 Mn | 8.4 | Core demand |
Key Insights:
Price band
Price band
Price band
Price band
Key Inferences & Conclusions
Valuation gap
Sources: Public government data (Dubai Pulse) & Licensed market data (REIDIN)
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