Cityscape

Trusted MortgageThree Bars
Broker and Home Loan consultant in UAE

We help you find the perfect home loan with competitive rates, flexible terms, and a smooth approval process. Whether you’re a first-time buyer or an experienced investor, our team ensures you make the best financial decision for your dream property.

TickBest turn around time in UAE
TickQualified team with 19+ years of experience
Home Loans for Expatriates

Home Loans for Expatriates

Benefits
  • Financing up to 80% of the property value
  • Borrow up to AED 25 Million or 84% salary multiples (whichever is lower)
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Mortgage for Non-Residents

Mortgage for Non-Residents

Benefits
  • Financing up to 50% of the property value
  • Loan upto AED 10 million depends upon financial stability and banking statements.
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Home loans for UAE Nationals

Home loans for UAE Nationals

Benefits
  • Financing up to 85% of the property value
  • Loan amount offered up to AED 25 million
  • Government housing included
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Easy to get started with four simple steps

Ready to own your dream home? Our simple, 4-step loan process takes the stress out of getting a mortgage, making it easy and straightforward from start to finish.

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Step 1

Understanding Your Requirements -

With years of experience working with a varied range of clientele, our reputable mortgage advisors spend hours understanding your home loan requirements. Our team will ....

  • TickDigs deep into your financial health and liabilities.
  • TickUnderstand loan requirement and eligibility criteria.
  • Tickand help to find the optimal mortgage solution.
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Step 2

Picking the best options for you

Based on your requirement, we run you through our extensive network of financial partnerships, which includes every major bank in the UAE. In the process, we help pick the best option for you from a variety of mortgage products to suit your unique needs.

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3
Step 3

Getting Pre-Approval

We serve as a connection between you and the bank of your choice in the UAE. As such, we help you in getting mortgage pre-approvals, which is one of the first major steps in securing an ideal mortgage solution to make your dream house a reality.

  • TickHandle all paperwork and compliance requirements
  • TickMinimal back-and-forth with lenders
  • TickClient updates in Real Time
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Step 4

Helping you in moving to your new home

Numerous clients have succeeded in purchasing their dream homes with our help, and we are thrilled to be a valuable part of countless success stories. Looking ahead, our ceaseless commitment to you remains strong. We strive to be your guide by bringing confidence and clarity to every step of your mortgage journey.

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Faster DisbursalFaster Disbursal

Our Mortgage Services in the UAE

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Residential Mortgages

If you are a UAE resident looking for an economical home loan in Dubai or in other emirates of the UAE for buying your dream house, then we are your friend. We help you find the best mortgage rates in Dubai to ensure you have affordable monthly payme...

Advantages of working with us

Trust and Transparency

Trust and Transparency

The rich and on-field experiences of our advisors in consultancy, banking, and real estate help in bringing invaluable insights to every interaction. We ensure we prioritise trust and transparency in communicating the best mortgage solution for you.

We work with all the Banks

We work with all the Banks

Our extensive network of home loans options in the UAE ensures you have access to all the major banks of the nation. Through our strategic partnerships, we bring you close to the leading UAE as well as global banks.

Team of experienced professionals

Team of experienced professionals

The combined expertise of our leadership team gives you valuable insights into financial services, real estate, consulting, technology, and creative industries. With our shared vision, we are dedicated to bringing you close to the best home loan offers in the UAE.

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Mortgage Calculator

Get the right mortgage for you

We help you compare home loans and financial solutions in the UAE from varied banks for a hassle-free and seamless experience that will help you make a knowledgeable choice.

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Know Your Buying Power

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Estimate monthly payments

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Instant & accurate results

Residency status

AED

AED

5%

25 Years

Loan Amount

0 AED

Monthly Cost

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This calculation is based off of live products in our database

Background

Frequently Asked Questions

The required deposit for a mortgage in Dubai is usually capped at 15% of the value of the property for UAE nationals. On the other hand, expats may have a higher minimum deposit requirement of 20%. For properties which are valued at AED 5 million or more, the deposit requirement can increase to 25% for UAE nationals and 30% for expats. To purchase a second unit with a home loan this deposit requirement increases to 35% for UAE nationals and 40% for expats.
In Dubai, the current mortgage rates generally range starts from 3.89%. These rates can change depending on the concerned mortgage product (fixed or variable), the lender, and the financial situation of the borrower. Many financial institutions provide long-term fixed rates, such as for five years. Please note that the fixed rates are often a bit higher than their variable counterparts.
Although the minimum salary to get a mortgage in Dubai is AED 10,000 for UAE nationals and expats, majority of the banks requires a minimum salary of AED 15,000. Note that the ultimate decision on loan approval depends on varied factors such as the credit score of the borrower, the debt-to-income ratio, and the specific criteria set by the lender.
Yes, non-residents can absolutely avail of financing options in the UAE, especially for buying properties. However, non-residents must meet various criteria, including a strong credit history, minimum income requirements, and age limits (typically 21-65). While the terms might be stricter for non-residents than it is for residents, financial institutions and banks in the UAE provide home loans and other allied financing options to non-residents, especially in cities such as Dubai and Abu Dhabi, with flexible terms and competitive rates.
Non-residents have to provide proof of income (usually through bank statements) and a reliable credit history, which needs to be verified through credit bureaus in their specific home country or the Al Etihad Credit Bureau of the UAE. Apart from these, identity documents and bank statements are required. For residents, the documents that are required to secure a home loan in the UAE include a copy of your passport, Visa, Emirates ID, proof of your current address (a copy of tenancy contract or DEWA bill), a salary certificate, payslips and bank statements for the last six months.
It can take up to five business days to get pre-approvals for a home loan for UAE residents. For non-residents and self-employed, it can go up to 15 business days. This timeframe varies depending on the internal procedure of the bank or the complexity of the application. While some banks may offer instant pre-approvals, others can take a bit of time.
Yes, it is usually possible to finance your handover payment with a mortgage. Many developers offer properties for sale at an affordable price during the off-plan stage, with the agreement that the final payment will be made upon the project’s completion and handover. You can finance this final payment through a mortgage, given you meet the eligibility criteria of the lender and the property in question is eligible for mortgage financing.

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