Mortgage Services in Dubai
Independent mortgage advice across 20+ UAE banks, for buyers, homeowners and investors.
Finance for every kind of property goal
Whether you are buying your first home, refinancing, or building a property portfolio, we structure the right finance for you.
Home Purchase Mortgages
Financing for ready and off-plan properties across Dubai, Abu Dhabi, Sharjah and the wider UAE on competitive terms.
- Up to 80% finance for expats
- Fixed and variable options
- Ready and off-plan homes
Refinancing and Buyouts
Lower your monthly repayments or move to a better rate by switching your existing mortgage to another bank.
- Balance transfer to a new bank
- Equity release options
- Break even cost analysis
First-Time Buyer Advisory
New to property ownership in the UAE? We guide you through eligibility, down payments and the full buying process.
- Budget and eligibility check
- Pre-approval in days
- Support until key handover
Non-Resident Property Finance
No matter where you live, owning your dream property in Dubai with us is as stress free and simple as you would like it to be.
- Lenders for overseas buyers
- Remote application support
- Clear document checklists
Islamic Home Finance
Sharia compliant solutions including Murabaha, Ijara and Diminishing Musharaka through leading UAE Islamic banks.
- Ijara, Murabaha, Musharaka
- Leading Islamic banks
- Profit rate comparison
Commercial and Business Loans
Flexible funding for self-employed borrowers and business owners who may not fit standard lending criteria.
- Self-employed mortgages
- Commercial property finance
- Business owner structuring
Mortgage advice that protects your interest
Going direct to one bank means one set of rates. We compare the whole market, negotiate on your behalf and manage every step.
Access to every major bank
We compare offers from 20+ UAE lenders to secure the most competitive rate and terms for your profile.
Former bankers, on your side
Our advisors are ex credit specialists who know exactly how bank approvals are won.
Transparent, no hidden fees
Clear, honest advice with every cost explained up front. No surprises before you sign.
Fast pre-approval
A formal pre-approval in days, so you can start your property search with real buying power.
UAE mortgage limits at a glance
Key UAE Central Bank limits that shape how much you can borrow. Final terms depend on each bank’s policy.
| Buyer and property | Maximum loan to value | Minimum down payment |
|---|---|---|
| Expat, first home up to AED 5M | 80% | 20% |
| Expat, first home above AED 5M | 70% | 30% |
| UAE national, first home up to AED 5M | 85% | 15% |
| Second or investment home (expat) | 60% | 40% |
| Off-plan property | 50% | 50% |
Maximum term 25 years. Total monthly debt repayments capped at 50 percent of income. Figures for guidance only.
Our process
Free consultation
We review your income, commitments and property goals in a short call.
Market comparison
We compare offers from 20+ UAE banks and shortlist the best fit.
Pre-approval
We prepare a complete file and secure pre-approval, often in about 4 days.
Valuation to keys
We manage valuation, offer letter and transfer through to handover.
We compare 20+ lenders across the UAE
Conventional, international and Islamic banks, all compared side by side for your profile.
Mortgage questions, answered
How much can I borrow for a home in Dubai?
Expatriates can usually borrow up to 80 percent of the value on a first home up to AED 5 million, subject to the 50 percent debt burden ratio and the bank’s own policy.
Is your mortgage advice really free?
Yes. Our advice is free for clients and every cost is explained up front before you sign. We are paid by the lender when your mortgage completes.
How long does pre-approval take?
With a complete file, our average pre-approval time is around 4 working days.
Do you help non-residents?
Yes. We work with lenders who finance overseas buyers and can support most of the process remotely.
Can you help with Islamic home finance?
Yes. We compare Ijara, Murabaha and Diminishing Musharaka offers from leading UAE Islamic banks.
What documents do I need?
Typically passport, visa, Emirates ID, salary certificate, payslips and 6 months of bank statements. Self-employed applicants also need company documents.
Let us find your best mortgage in the UAE.
Tell us about the property and your goals. We compare the market and come back with clear options, usually within one business day.