Mashreq Gold provides you complete mortgage solutions. Whether you are looking to buy a home or an office, transfer your existing mortgage in UAE or refinance your existing property we can help you achieve your goal.

Home Loan for Residents

It’s easy to own your own home in as little as 10 minutes with Mashreq’s Home Loan for Residents

High loan amount up to AED 20 million

Free pre-approval in as little as 10 minutes

No salary transfer requirement

Homes Loans for Non-Residents

Invest in a UAE property for investment purposes or as a second home. with less paperwork.

Loan to value of up to 50%

High loan amount up to AED 20 million

Loan Tenor of up to 25 years

Commercial Mortgage for UAE Residents

Looking to expand your business? We can help you finance shops, office spaces ,warehouses and other business units.

High loan amount up to AED 10 million

Loan Tenor of up to 15 years

Low and attractive interest rates

Choose Gold

Our premium mortgage offering is tailored to your individual needs.
With discounted processing fees, preferential mortgage rates, instant approvals, and other benefits, you can turn your dreams into a reality with us today.
High loan amounts
Attractive Loan amounts of up to AED 10 million are available to our Gold clients.
Preferential rates
We offer attractive interest rates to support you in achieving your goals.
Fast approvals
As a Gold client, we will process your mortgage application quickly and efficiently.
Flexible repayment
Achieving your dreams is easier with our attractive loan tenors of 15 and 25 years.


UAE residents, nationals and expatriates.

For salaried customers: Minimum: 21 years / Maximum: 65 years on maturity of loan 
For self-employed customers: Minimum: 21years/ Maximum: 70 years on maturity of loan
You can borrow up to a maximum of AED 10 million for up to a maximum of 25 years

Your application will be evaluated on the following criteria:

  • Your income stream
  • Your employment history and stability
  • Your ability to handle current obligations as well as new ones
  • The value of the property being purchased or refinanced
  • Your assets to assess your ability to meet your down payment
Refinance allows you to liquidate the cash value of property, available to all residents, expatriates and UAE nationals
Yes, at Mashreq we deal with two types of transactions
Full Payment: Where the first purchaser has made 100% payments to the developer and is selling the property to you. Here the payments would be made to the first purchaser.
Part Payment: Where the first purchaser has only paid the down payment and the balance is yet to be made to the developer. Here, the down payment would need to be paid by you to the seller and the balance be made to the developer
Yes, both Life Insurance and Property Insurance are mandatory before disbursing the loan.
Property Insurance: The Property Insurance premium is calculated on the cost of the property and is available only through Oman Insurance Company OIC (For T&C's click here). The amount of the insurance premium will be debited from your account prior to the final disbursal and each year thereafter. A property insurance certificate will be delivered to you by the insurance company within a month.

Life Insurance: Life Insurance is also mandatory from OIC (For T&C's click here). Customers with Please Note:    - An Assignment Fee will be applicable and a policy can only be assigned at loan origination     - Existing life insurance policies can only be assigned at loan origination.existing life insurance policies through Oman Insurance Company, Zurich and Alico have the option to assign* the policy to the Bank provided that it meets the following criteria:

  • Policy is more than six months
  • Policy covers the loan value
  • Policy covers the tenure of the loan including the construction period
  • Policy is active and insurance premium is paid up to date
For salaried employees
  • Application form
  • Passport copy with valid visa
  • Salary Certificate addressed to Mashreqbank
  • Last six months original bank statements
  • Liability letter from the bank addressed to Mashreqbank
  • Photocopy of Purchase Contract
  • Photocopy of Down Payment receipts
For self-employed Individuals
  • Application form
  • Passport copy with valid visa
  • Last six months bank statements personal and company
  • Liability letter from the bank addressed to Mashreqbank
  • Memorandum and articles of association
  • Audited financial statements of last 2 years
  • Board resolution copy
  • Trade license copy
  • Copy of Chamber of Commerce Registration
  • Business profile on company letterhead
  • Photocopy of Purchase Contract
  • Photocopy of Down Payments
Yes, all co-owners of the property have to be co-borrowers.

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