How much deposit do UAE nationals need for a mortgage?

Less than expats. UAE nationals can borrow up to 85% loan-to-value on a first property up to AED 5 million - a 15% down payment - and up to 75% (25% deposit) above AED 5 million. As with expats, these Central Bank caps tighten for second or investment properties, and buyers still pay the ~4% DLD and other transaction fees on top.