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If you’re unsure which option is right for your mortgage in Dubai – call today to speak with one of our mortgage experts or talk with us via our live mortgage advisor help chat.
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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
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or +971 527 212 808 (UAE)
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Simplifying your mortgage journey with expert support
1
We Match You with the Right Mortgage
Our specialists compare the full range of options — including exclusive rates — to find the deal that best fits your needs.
2
We Handle All the Paperwork
From pre-approval to final submission, we manage the entire application process and ensure every document is in order.
3
We Guide You Through to Completion
We coordinate with banks, arrange property valuations, and oversee the full process through to final mortgage approval.
4
We’re With You After Approval
Once approved, we assist with property transfer and continue to support you with expert guidance beyond settlement.
Resident Mortgages
Buying a home in the UAE as a resident opens access to a wide range of mortgage options — but navigating the process can still be complex. That’s where we come in.
What we offer:
- Access to fixed-rate, variable-rate, and Islamic mortgages from leading UAE banks
- Expert advice on choosing between salary-transfer vs. non-salary-transfer loans
- Guidance on eligibility criteria, down payments, and pre-approval requirements
- Full documentation support, including valuation, bank submission, and legal coordination
Why choose us:
We simplify the process, reduce paperwork, and negotiate on your behalf — so you can focus on finding the right home, not chasing banks.
Ideal for – UAE nationals, expats, and residents looking to purchase a villa, apartment, or townhouse.
Non-Resident Mortgages
Thinking of investing in UAE property while living abroad? You don’t need to be a resident to secure a mortgage — and we’re here to make it easier.
Key benefits:
- Low-documentation options for overseas buyers
- Financing available in major currencies (AED, USD, GBP, EUR)
- Property access in Dubai, Abu Dhabi, and other Emirates
- End-to-end guidance — from pre-approval to final transfer
We assist with:
- Proof of income alternatives (e.g., bank statements or accountant letters)
- Power of attorney setups for remote transactions
- Coordinating with developers, agents, and legal representatives
Ideal for – International investors, overseas landlords, and non-resident business owners.
Commercial Finance
Financing commercial real estate in the UAE requires careful structuring — whether you’re buying, refinancing, or expanding your portfolio.
We offer solutions for:
- Office buildings, warehouses, and retail units
- Owner-occupied or investment properties
- Releasing capital from existing assetsBusiness expansion and bridging finance
Our approach includes:
- Access to commercial lending specialists across major UAE banks
- Tailored loan structuring with fixed or variable terms
- Support with valuations, feasibility checks, and lender negotiations
Why us: Our deep network and local expertise help secure favourable terms — whether you’re a first-time investor or growing your property portfolio.
Equity Release & Buyouts
Already own property in the UAE? We help you unlock its value — whether you’re looking to free up cash, reduce your monthly payments, or restructure ownership.
Our services include:
- Equity release for investment, renovation, or personal use
- Refinancing to reduce high-interest mortgage costs
- Partner or co-owner buyouts
- Loan top-ups and consolidation options
What sets us apart:
- Personalised strategies based on your financial goals
- Transparent advice on fees, risks, and repayment structures
- Coordination with existing lenders and legal teams
Ideal for – Property owners who want to improve liquidity, reduce costs, or change ownership structure efficiently.
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UAE Mortgage FAQs
GENERAL MORTGAGE QUESTIONS
- For UAE residents: 20% of the property value (15% for UAE nationals)
- For non-residents: Usually 25–40%, depending on the bank and property type
On average, 2–4 weeks for salaried residents and up to 6–8 weeks for non-residents or self-employed buyers, depending on documentation and bank approvals.
Yes. Most banks offer pre-approvals valid for 60–90 days. It gives you a clear budget before committing to a property.
ELIGIBILITY & REQUIREMENTS
- UAE nationals and expats with a valid residency visa
- Non-residents from approved countries (varies by bank)
- Salaried or self-employed individuals with verifiable income
For residents:
- Passport & visa copy
- Emirates ID
- Salary certificate / proof of income
- Bank statements (3–6 months)
- Property details
For non-residents:
- Passport copy
- Proof of income (salary slips, accountant letter, or bank statements)
- Credit report from home country (sometimes required)
- Property documents
NON-RESIDENT MORTGAGES
Yes. Several banks offer non-resident mortgages, especially for completed (not off-plan) properties. Terms differ — most require a larger down payment and may have slightly higher interest rates.
Not always. With power of attorney, many buyers complete the transaction remotely, though some banks may require one visit for final signing.
AED is standard, but some banks offer loans in USD, GBP, or EUR if your income is in those currencies.
TYPES OF MORTGAGES
- Fixed-rate mortgages: Locked interest for 1–5 years
- Variable-rate mortgages: Linked to EIBOR (Emirates Interbank Offered Rate)
- Islamic finance: Shariah-compliant home finance, typically through Ijara or Murabaha models
Up to 25 years, though shorter terms are available. Your age at loan maturity must usually be under 65 for salaried individuals or 70 for self-employed.
COSTS & FEES
- Down payment: 15–40%
- Bank arrangement fee: ~1% of loan amount
- Property valuation fee: AED 2,500–3,500
- Dubai Land Department fees: ~4% of property price
- Mortgage registration fee: 0.25% of loan amount
- Broker/service fee (if applicable): Typically 1–2%
Yes, but many banks charge an early settlement fee, usually 1% of the outstanding balance (often capped).
SPECIAL CASES
Yes, but only a few banks offer this — and usually only after 50% of the construction is complete. Developers may also offer payment plans.
Absolutely. Many homeowners refinance to lower interest rates or release equity from their property. We help compare offers and handle the switch.
You must continue repayments. Selling or refinancing might be options. It’s crucial to consult your lender early — defaults can result in legal consequences.
FOR INVESTORS
Yes. Investors can access buy-to-let mortgages, portfolio lending, and even commercial finance. Terms are based on rental income, property value, and market profile.
Not necessarily. Many banks lend to non-residents, though terms may differ. Some property purchases also grant residency visas under investor schemes.
Emirates NBD
Emirates NBD is one of the largest banking groups in the Middle East, offering a comprehensive range of services including personal, private, corporate, and Islamic banking. With a significant presence across the UAE and international markets, it is recognised for its digital innovation and robust financial solutions.
Abu Dhabi Commercial Bank (ADCB)
ADCB is a full-service commercial bank providing a wide array of products such as retail banking, wealth management, and corporate banking. As the third-largest bank in the UAE by assets, it plays a pivotal role in the country’s financial sector.
First Abu Dhabi Bank (FAB)
FAB is the UAE’s largest bank and ranks among the world’s largest financial institutions. It offers extensive corporate, investment, and personal banking services, catering to a diverse clientele both domestically and internationally.
Dubai Islamic Bank (DIB)
Established in 1975, DIB is the world’s first full-service Islamic bank and the largest Islamic bank in the UAE. It provides a wide range of Sharia-compliant products and services to retail, corporate, and institutional clients.
Mashreq Bank
Mashreq is the oldest bank in the UAE, founded in 1967. It offers innovative banking solutions across personal, corporate, and investment banking sectors, with a strong emphasis on digital banking services.
RAKBANK (National Bank of Ras Al Khaimah)
RAKBANK, established in 1976, is known for its dynamic approach to banking, offering a wide range of personal and business banking services. It has a strong focus on small to medium-sized enterprises (SMEs) and retail customers.
Abu Dhabi Islamic Bank (ADIB)
ADIB is a leading Islamic bank in the UAE and ranks as the fourth-largest Islamic bank globally by assets. Headquartered in Abu Dhabi, it offers a comprehensive suite of Sharia-compliant banking services.
Commercial Bank of Dubai (CBD)
CBD has been serving the UAE for over 50 years, providing a range of retail and commercial banking products. It is recognised for its innovative and tailored banking solutions, catering to both individuals and businesses.
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