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...
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...
The Black Robe For Legal Consultancy & Debit Collection
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...
EZZADDIN OTHMAN LEGAL CONSULTANCY OFFICES
Abu Dhabi, United Arab Emirates

Founded in 1980
11 people in their team
English
Arabic
Ezz, with the best lawyers in Abu Dhabi and Cairo, Egypt, are a milestone in absolute professionalism and success rateEzz is the best lawyer in Cairo and a leading legal consultant. Ezz is a whole array of legal services in Abu Dhabi, Dubai, CairoDelivers superior services, guidance or...
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 Ramsy Advocates
Abu Dhabi, United Arab Emirates

Founded in 2000
200 people in their team
Arabic
English
WHO WE AREAl Ramsy Advocates & Legal Consultancy is a full-service law firm dedicated to delivering first-class legal solutions and powerful results to our clients.With over 20 years of experience, we provide unrivaled legal services in the UAE, regional and international law. Our key areas of...
Liberal Lawyers

Liberal Lawyers

15 minutes Free Consultation
Abu Dhabi, United Arab Emirates

Founded in 2007
50 people in their team
Arabic
English
Who We Are Liberal Lawyers is one of the largest and most innovative law firms in the UAE and targeting to be the widest in Middle East. Established in 2007, we are known for delivering high-quality legal services that are practical, strategic, and tailored to the unique needs of each...
STA Law Firm
Abu Dhabi, United Arab Emirates

Founded in 2000
200 people in their team
Arabic
English
OverviewSTA always had a vision of building one of the Middle East’s premier full-service business firms. Today we serve corporate entities and individuals across the globe with a team of experienced lawyers in the region. Our attorneys are focused on primary disciplines which feature more...
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...
Stabit Advocates
Abu Dhabi, United Arab Emirates

Founded in 2000
173 people in their team
English
Arabic
Stabit Advocates LLP (https://www.stabitadvocates.com) is one of the top law firms in the world and stands as a beacon of legal excellence, recognized as one of the top law firms in East Africa, Africa and Globally with over 75 practice areas. Our firm is synonymous with top-tier legal expertise,...
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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.