At the end of 2018, the UAE Central bank changed its lending criteria which meant an expatriate could secure 75 per cent of a home’s value in mortgage finance for a ready property up to the value of Dh5 million; for Emiratis the limit was pegged at 80 per cent. If the property is worth more than Dh5m, the loan cap for expatriates is 65 per cent and 70 per cent for Nationals. For second and subsequent property purchases, expatriates will be eligible for loans up to 60 per cent of the property value and Emiratis allowed to take 65 per cent regardless of the value of the property