Dubai Land Department records show 4,056 mortgage registrations completed across the emirate in July 2026, with total new lending reaching AED 16.8 billion. That puts the average registered loan at AED 4,152,000.
Month on month, mortgage activity strengthened noticeably. The number of registrations was 32.4% higher than the previous month, while the total value of lending increased 75.8%. As a market indicator, mortgage registrations remain one of the clearest measures of financed demand, reflecting buyers who are completing purchases with bank support rather than cash.
At area level, Jumeirah Village Circle recorded the highest borrowing activity, with 334 mortgages during the month. Apartments & units made up roughly 55% of all mortgage registrations, reinforcing how central this segment remains to financed transactions across Dubai.
By loan size, the AED 1–2M band was the most common, accounting for about 34% of registrations. Taken together, the July figures point to broad-based borrowing activity, with demand extending across locations and price points rather than being limited to the top end of the market.
Where borrowers are buying — top areas
| # | Area | Mortgages | Lending | Share |
|---|---|---|---|---|
| 1 | Jumeirah Village Circle | 334 | AED 420 million | 8.2% |
| 2 | Jebel Ali | 311 | AED 615 million | 7.7% |
| 3 | Al Furjan | 176 | AED 536 million | 4.3% |
| 4 | Business Bay | 148 | AED 420 million | 3.6% |
| 5 | Madinat Hind 4 | 135 | AED 164 million | 3.3% |
| 6 | Al Hebiah Fifth | 130 | AED 275 million | 3.2% |
| 7 | Dubai Marina | 125 | AED 241 million | 3.1% |
| 8 | Dubai Sports City | 122 | AED 91 million | 3.0% |
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 | 2,249 | 55.4% |
| Land plots | 1,284 | 31.7% |
| Whole buildings | 523 | 12.9% |
Loan size bands
| Registered value | Mortgages | Share |
|---|---|---|
| Under AED 1M | 1,255 | 30.9% |
| AED 1–2M | 1,371 | 33.8% |
| AED 2–3M | 654 | 16.1% |
| AED 3–5M | 452 | 11.1% |
| AED 5–10M | 150 | 3.7% |
| AED 10M+ | 174 | 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 is that with 4,056 mortgages registered in July 2026, financed demand remains a meaningful pillar of Dubai’s property market. The mix of loan sizes also suggests that activity is not confined to the prime segment, but spread across a wider buyer base. We believe buyers make better decisions when they understand their budget before they begin their search. A practical first step is our mortgage eligibility calculator, and we can also arrange a free desktop valuation on any specific building.