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A Guide to Fee Assistance with your UAE Mortgage

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Holo Team


Obtaining a mortgage in the United Arab Emirates (UAE) can be a significant financial commitment, and many prospective homebuyers may face challenges related to the various fees and charges associated with the process. However, there are options available that can help alleviate the financial burden. In this guide, we will explore fee assistance options to help you navigate the complexities of securing a mortgage in the UAE while minimizing your expenses.

Mortgage Processing Fees

When applying for a mortgage in the UAE, you'll typically encounter various processing fees, including application fees, valuation fees, and legal charges. These costs can quickly add up, so it's essential to be aware of potential fee assistance options.

Add Fee Assistance

Many lenders will allow you to add fee assistance to your mortgage application. This means the lender will add a percentage of the fees (usually a maximum of 85%) to the mortgage loan amount you wish to borrow. Use a mortgage calculator to assess your affordability and ascertain how much you might be able to borrow.

Lender offers

Some lenders in the UAE offer mortgage products that include reduced or waived processing fees or a free valuation as part of their promotional offers. Be sure to explore these options with your mortgage broker when researching potential lenders to find out if any special deals align with your needs and financial situation.

Down Payment Assistance

One of the most substantial upfront costs associated with securing a mortgage in the UAE is the down payment. Typically, homebuyers are required to provide a percentage of the property's value as a down payment. To make this more manageable, consider the following options:

Employer-Provided Housing Assistance

Some employers in the UAE offer housing assistance packages to their employees as part of their benefits. These packages can include contributions towards the down payment, making homeownership more accessible to those who qualify.


Securing a mortgage in the UAE is a significant step towards homeownership or real estate investment. While the associated fees and costs can be substantial, there are fee assistance options available to help make the process more affordable. By researching the market and mortgage interest rates, taking advantage of employer-provided housing assistance, and exploring government programs, you can significantly reduce the financial burden associated with obtaining a mortgage.

When you use Holo we will help you find the right mortgage for you and your requirements. We'll answer all your mortgage faqs and hold your hand throughout your entire mortgage and purchase journey. Our mortgage services are free, meaning you will up to AED 5,000 in broker fees!

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