Mortgage · residents & non-residents

Financing that fits the home, not the other way round.

Pre-approval before you view, lender comparison across UAE banks, and a signing that lands on the same day as your transfer.

File № 0006 · morning of transfer
Seamless financing solutionsPre-approval typically before the first viewingResident and non-resident lendingFee and rate comparison across lendersCoordinated with the transfer timeline
01 · The itinerary

Mortgage

We simplify the financing process by connecting you with top lenders in Dubai. From pre-approval to final signing, we ensure you secure competitive rates and terms aligned with your financial goals — making your journey to ownership effortless and stress-free.

Seamless financing solutions
01

Pre-approval

Know your ceiling before the viewing. Salaried, self-employed and non-resident profiles.

02

Compare lenders

Fixed vs variable, fees, early-settlement terms — laid side by side, in one sheet.

03

Bank valuation

Valuation booked and chased so the file never stalls.

04

Final offer letter

Terms confirmed, life cover arranged, signing scheduled.

05

Transfer day

Manager’s cheques, trustee office, title deed in your name.

02 · The caps

What the Central Bank lets you borrow.

Central Bank of the UAE caps (Regulations Regarding Mortgage Loans, Circular 31/2013 as amended). Debt-burden ratio up to 50% of income, tenure up to 25 years. Non-residents typically 50–60% by bank policy. Each bank sets its own criteria.

Loan-to-value caps · CBUAEDown payment
Expatriate · first property ≤ AED 5M80% · 20% down
Expatriate · first property > AED 5M70% · 30% down
UAE national · first property ≤ AED 5M85% · 15% down
Second / investment property60–65% · 35–40% down
Off-plan (under construction)50% · 50% down
Mortgage registrationMortgage registration 0.25% of the loan amount
CBUAE caps · resident and non-resident

Financing that fits the home, not the other way round

Mortgage
03 · What you get

Seamless financing solutions

  • Pre-approval typically before the first viewing
  • Resident and non-resident lending
  • Fee and rate comparison across lenders
  • Coordinated with the transfer timeline
04 · Start the viewing

Tell us the brief.

A consultant who speaks your language replies during office hours — usually within the hour on WhatsApp.

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The keys

Mortgage with a desk that stays until the keys

WHATSAPP ANSWERED OUTSIDE HOURS · MON–SAT 9:30–19:00 · BUSINESS BAY