Dubai Land Department records show 42,885 mortgage registrations completed across the emirate in 2025, together worth AED 179.5 billion in new lending. That works out to an average registered loan of about AED 4,185,000.
Compared with the previous year, the number of mortgages was 19.6% up (from 35,865 registrations), while the total value of lending moved down 3.6%. Mortgage registration volume is one of the clearest signals of financed demand in the market — it shows how many buyers are actually completing purchases with bank support rather than cash.
By location, Jumeirah Village Circle (JVC) led borrowing activity with 3,107 mortgages over the year. By property type, apartments & units accounted for roughly 59% of all mortgage registrations. On loan size, the Under AED 1M band was the most common, at about 35% of registrations — a useful benchmark for how much buyers are typically borrowing.
Where borrowers are buying — top areas
| # | Area | Mortgages | Lending | Share |
|---|---|---|---|---|
| 1 | Jumeirah Village Circle (JVC) | 3,107 | AED 6.5 billion | 7.2% |
| 2 | Jebel Ali | 2,187 | AED 5.5 billion | 5.1% |
| 3 | Dubai Marina | 2,026 | AED 10.3 billion | 4.7% |
| 4 | Wadi Al Safa 5 | 1,881 | AED 4.9 billion | 4.4% |
| 5 | Business Bay | 1,856 | AED 8.9 billion | 4.3% |
| 6 | Al Thanyah Fifth | 1,576 | AED 5.4 billion | 3.7% |
| 7 | Madinat Hind 4 | 1,503 | AED 1.8 billion | 3.5% |
| 8 | Meydan (Al Merkadh) | 1,490 | AED 4.1 billion | 3.5% |
Mortgage registrations by DLD area over the period. Share is of all Dubai mortgage registrations. Common market names shown.
What is being mortgaged — property type
| Property type | Mortgages | Share |
|---|---|---|
| Apartments & units | 25,211 | 58.8% |
| Villas | 9,827 | 22.9% |
| Land plots | 7,254 | 16.9% |
| Whole buildings | 593 | 1.4% |
Loan size bands
| Registered value | Mortgages | Share |
|---|---|---|
| Under AED 1M | 15,127 | 35.3% |
| AED 1–2M | 12,591 | 29.4% |
| AED 2–3M | 6,461 | 15.1% |
| AED 3–5M | 5,047 | 11.8% |
| AED 5–10M | 1,806 | 4.2% |
| AED 10M+ | 1,853 | 4.3% |
Distribution by registered transaction value. A guide to typical borrowing sizes; individual loan amounts depend on down payment and lender.
What this means for your mortgage
Our view: with 42,885 mortgages registered in 2025, financed demand in Dubai remains a core part of the market, and the spread of loan sizes shows there is genuine activity well beyond the prime segment. Whether rates are rising or steady, the buyers who move with confidence are the ones who know their budget before they shop. We recommend starting with our mortgage eligibility calculator to size your borrowing, and we can run a free desktop valuation on any specific building for you.