What other costs come with taking a Dubai mortgage?

Beyond the 0.25% registration fee, banks charge a property valuation fee of about AED 2,500-3,500 and an arrangement/processing fee of up to 1% of the loan plus 5% VAT. Life and property insurance may also apply. Resident expats typically need a 20% down payment on homes up to AED 5 million, so plan for that cash too.