Best mortgage Companies in Oman



Oman has several mortgage companies where you can get a loan to buy a home. When choosing to take a mortgage, you are required to select the best mortgage provide, one that has the least interest rates on loans.

In Oman, the following are best mortgage providers:


BankMuscat offers home loans to companies and persons interested in buying homes.

Dubbed Baituna Home Loans,the mortgage facility has the following features

The Bank offers its customers housing loan branded, “Baituna – Home Finance”.

Baituna which can be availed from all the branches of the Bank spread across Oman.

Baituna will initially comprise two products:

  • Baituna Classic Home Finance
  • Baituna Plus Home Finance

Baituna will be available for purchase and construction of new homes, purchases of second homes or retirement homes and for purchase of land for residential use at select locations.

Financing will be offered primarily to Omani nationals, though baituna products also provide financing options for GCC nationals and expatriates, who wish to seek housing finance for properties in Oman.

The Bank will also provide refinancing options to customers with existing housing loans from other organizations.

Baituna Classic Home Finance

Baituna Classic Home Finance provides housing loans against salary assignment.


Omani individuals (single or jointly) receiving salaries from the government sector or listed companies who meet minimum requirement criteria.

The applicant / co-applicant must have been employed for at least 6 months.


  • Purchase / construction of property(ies).
  • Purchase / construction of a second / holiday or retirement home.
  • Purchase / construction of twin villas or apartments residential / commercial property(ies).
  • Re-financing of housing loans.


National Bank of Oman is another financial institution to approach for a mortgage loan.

Al Manzel Home Loans cover:

  • Purchase of residential plots.
  • Purchase of ready residential properties.
  • Construction or maintenance of residential properties.
  • Buyout of housing loans from other banks or employers.
  • Purchase of properties within bank-approved integrated tourism projects and developments.


HSBC Oman is another credible bank where to take a home loan.Features of the loan are:

Loan to Value Interest rate Repayment period
Up to 80% Starting from 4.5% per annum Up to 25 years for villas and townhouses

Up to 20 years for apartments

Make the most of our latest offer:

  • Low interest rate starting from 4.5%* a year
  • Salary starting from OMR 500pm
  • Finance up to 80% of the property value

More great benefits:

  • Transfer your existing mortgage or apply for a new one
  • Payment period from 5 to 25 years or until the age of 60 (subject to life coverage)

These are the companies that are trusted for providing mortgage loans in Oman.