Best Mortgage Lawyers in Abu Dhabi

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EDL Advocates & Legal Consultancy

EDL Advocates & Legal Consultancy

30 minutes Free Consultation
Abu Dhabi, United Arab Emirates

Founded in 2009
60 people in their team
Arabic
English
EDL is a full-service law firm committed to offering legal solutions to its clients, addressing even the most difficult legal challenges and cases.The firm, established in 2009 under the name of Insijam AIAhdal Advocates & Legal Consultancy, has since expanded its activities across various...
Bin Meshar & Co. Law Firm

Bin Meshar & Co. Law Firm

Abu Dhabi, United Arab Emirates

Founded in 2013
50 people in their team
Arabic
English
About:Bin Meshar & Co. Advocates and Legal Consultants are based in the heart of the UAE. We service our clients from two offices located in Dubai and the capital of the United Arab Emirates, Abu Dhabi.Our Legal network is expanding globally, and we are proud to partnerwith one of the leading...
Hadef & Partners LLC

Hadef & Partners LLC

Abu Dhabi, United Arab Emirates

Founded in 1980
200 people in their team
Arabic
English
Hadef & Partners is a leading independent UAE law firm, with 100 lawyers in our offices in Abu Dhabi and Dubai.The firm was founded on the guiding principles of:IntegrityDedication to client serviceProviding practical legal adviceThese principles remain at the heart of our firm.Just as the UAE...
AWS Legal

AWS Legal

Abu Dhabi, United Arab Emirates

Founded in 2013
50 people in their team
Arabic
English
Aws Advocates & Legal ConsultantsThe product of a family legacy of lawyers spanning nearly a hundred years, AWS Advocates and Legal Consultancy prides itself in its wealth of knowledge, which has been passed down through the generations. Our firm commits itself to serving all our clients with...
Al Reyami Advocates and Muhyealdeen International Legal Consultants

Al Reyami Advocates and Muhyealdeen International Legal Consultants

Abu Dhabi, United Arab Emirates

Founded in 2001
50 people in their team
Arabic
English
Al Reyami Advocates and Muhyealdeen International Legal Consultants is a top law firm founded since 2001 having over 50 lawyers in Dubai, Abu Dhabi, UAE, Riyadh, Al-Khobar, Istanbul and New York with best International and Local advocates – practicing and specializing in the different field of...
Ibrahim Khouri Lawyers - Advocates & Law Firm Dubai

Ibrahim Khouri Lawyers - Advocates & Law Firm Dubai

Abu Dhabi, United Arab Emirates

Founded in 2008
50 people in their team
Arabic
English
About Khouri Law Firm in UAEWe are a longest-standing law firm in Dubai, an unrivalled position. We are one of the top law firms in UAE that has more than 12 years of experience and have experience in providing full-service offerings by law specialists for all sorts of legal services. The knowledge...
Baitulhikma Lawyers

Baitulhikma Lawyers

Abu Dhabi, United Arab Emirates

Founded in 1981
50 people in their team
Arabic
English
With over forty years’ worth of experience in the UAE, we’re no strangers to this market. We started here and we continue to grow here. Our team have been sourced both locally and internationally, speak a number of languages and are experts at practicing law in the Middle East. We represent...
Al Suwaidi & Company

Al Suwaidi & Company

Abu Dhabi, United Arab Emirates

Founded in 1997
50 people in their team
Arabic
English
Alsuwaidi & Company is a UAE law firm, rooted in local know-how, and operating to international  standards. We work with leading regional and international businesses, helping them to grow and thrive in the UAE. Our firm was established by Mohammed R. Alsuwaidi in 1997, and since our...
Khairallah Advocates and Legal Consultants

Khairallah Advocates and Legal Consultants

Abu Dhabi, United Arab Emirates

Founded in 2008
10 people in their team
Arabic
English
About Us – Khairallah Advocates and Legal Consultants – UAELearn more about us from here: Khairallah Advocates & Legal Consultants, a full-service law firm in Dubai, was founded by Jouslin Khairallah in the year 2008 under the support granted by His Highness Sheikh Mohammed bin Rashid Al...
The Black Robe For Legal Consultancy & Debit Collection

The Black Robe For Legal Consultancy & Debit Collection

1 hour Free Consultation
Abu Dhabi, United Arab Emirates

Founded in 2023
9 people in their team
English
Arabic
The Black Robe for Legal Consultants includes a group of former legal advisors, Local, and foreigners, in United Arab Emirates.Our Legal firm brings together all cadres and legal expertise to enable us to provide the best and finest legal services to clients, by supporting and assisting in...
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About Mortgage Law in Abu Dhabi, United Arab Emirates

In the United Arab Emirates, Abu Dhabi in particular, Mortgage Law is governed under Federal Law No. 14 of 2018. The law lays out specific provisions designed to protect both lenders and borrowers involved in mortgage transactions. The law applies to both residential and commercial mortgages. It defines a mortgage as a contract that provides security against a loan which a lender extends to a borrower for purchasing property.

Why You May Need a Lawyer

There are various instances where you would require the assistance of a lawyer in Abu Dhabi when it comes to mortgages. These situations may include: understanding and reviewing mortgage contracts, resolving disputes with a lender, dealing with foreclosure proceedings, navigating refinancing processes, and applying for or structuring a mortgage. Given the complexities of the law, it is always beneficial to have a lawyer who can represent your best interests.

Local Laws Overview

The key aspects of local laws related to mortgages in Abu Dhabi include a stipulation that all mortgages must be registered with the Abu Dhabi Land Registry. The law also stipulates that only registered properties can be mortgaged. Furthermore, the property cannot be sold or transferred while the mortgage exists without the approval of the mortgagee. Additionally, in the event of a borrower's insolvency, the law provides protection to the lender.

Frequently Asked Questions

1. Can a foreigner obtain a mortgage in Abu Dhabi?

Yes, foreigners are allowed to get mortgages for properties in designated investment zones. However, they may face stricter conditions and requirements compared to UAE nationals.

2. What happens if I can't pay my mortgage?

If you fail to repay your mortgage in Abu Dhabi, the lender has the right to sell the property to recover the debt. The process is governed by specific provisions outlined in the local mortgage law.

3. Can I pay off my mortgage early?

Yes, you can pay off your mortgage early, however, it is vital to check whether your contract has provisions for early repayment fees. A lawyer can assist you in understanding these contract terms.

4. What is the maximum loan-to-value (LTV) ratio for mortgages?

The LTV ratio for UAE nationals is 80% if the property value is below AED 5 million and 70% if the value is above AED 5 million. For expatriates, the LTV ratio is 75% if the property value is below AED 5 million and 65% if the value is above AED 5 million.

5. Can I mortgage more than one property?

Yes, the law allows an individual or entity to mortgage more than one property. However, each property is considered a separate mortgage with its own terms and conditions.

Additional Resources

For further information, you can approach the Abu Dhabi Judicial Department or the Abu Dhabi Land Registry. The Central Bank of the UAE can also be a valuable resource concerning mortgage regulations.

Next Steps

If you require legal assistance with your mortgage in Abu Dhabi, the first step is to consult with a lawyer who specializes in property law. Compile any relevant documents, such as your mortgage contract, payment records, and any correspondence with the lender. Clear communication of your situation and needs to your lawyer will ensure they can guide and assist effectively.

Lawzana helps you find the best lawyers and law firms in Abu Dhabi through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Abu Dhabi, United Arab Emirates—quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.