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Mortgages to help you Build, Buy, or Refinance
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Our Partners
Our Services
We will be glad to provide you with the most optimal solution either for your mortgage or money loans matters.
New Purchase
Whether It's first or second mortgage we are here to help you to get the best rates and conditions and guide through the whole process of getting new property.
Equity Release
Releasing equity from property can good idea to renovate the property or fund another purchase. You can avail up to 70%-80% loan to value of existing property.
Re-Mortgage
Refinancing your home is simply getting a mortgage deal to replace the original mortgage. Refinancing is done to allow a borrower get a better rate to save interest.
Non-Resident Mortgage
Non resident can get up to 65% loan to value for purchasing a property in the UAE. Mortgage for non resident in uae
Land Financing
When you own a piece of land, you can build a space that is uniquely yours, We help to acquire the land for you so that you can start turning your dream into reality.
Commercial & Finance
We also assist our clients in planning and arranging finance for residential as well as commercial developments.
For Complex Cases, We Look Beyond the Standard
Not every mortgage application fits a standard template. We work with clients with complex income structures, unique financial circumstances, and non-standard profiles — taking a closer look to identify the right financing opportunities.
How To Get Approved?
Leading Mortgage Broker in Dubai
Down Payment
Your Down Payment is your First Stake in your New Home. A higher down payment can also help lower your monthly mortgage payments.
Credit Score
The good credit score demonstrates Credit Worthiness, & responsible debt management, & likely you Can get a good Interest Rate.
Employment History
A work history provides lenders with confidence in an individual’s ability to repay mortgage. Work History tells how you able to get mortgage.
Debt Burden Ratio
We assess your affordability by considering the debt-to-income ratio and ensuring you can comfortably cover your mortgage payments.
Why Mortgage Applications Get Rejected ?
A strong financial profile doesn’t always guarantee approval. Sometimes, the issue is the bank, the timing, the documents, or simply how the application is structured.
The Wrong Bank for Your Profile
Every bank has its own lending criteria. A profile that doesn’t work with one bank may be perfectly acceptable to another. Sometimes, it’s not the borrower — it’s the match.
Not Enough Time with Your Current Employer
Employment history matters. Many lenders look for a minimum period with your current employer, which can make recent job changes or new employment a challenge.
Documents That Don’t Tell the Same Story
Inconsistent salary certificates, bank statements, outdated documents, or missing information can raise questions and delay or affect an application.
AECB or Credit History Issues
Late payments, outstanding liabilities, or previous defaults can affect your credit profile. Knowing your AECB position before applying can help you understand your options.
Your Existing Commitments Are Too High
Existing loans and monthly obligations are taken into account when assessing affordability. If your debt burden is already high, the amount you can borrow may be limited.
The Property Isn’t Approved by the Bank
For off-plan purchases, the project or developer may need to meet the selected bank’s requirements. If it doesn’t, the issue can be with the property — not your financial profile.
Rejected by One Bank? That May Not Be the End
Mortgage approval depends on more than your salary or credit score. The right lender, property, documents, and application structure can make all the difference.
Testimonials
What Customers Say About Us
Frequently Asked Questions
For a first-time buyer (expat), the required down payment for property in Dubai is 20% of the purchase price for properties valued under AED 5 million. This corresponds to an 80% Loan-to-Value (LTV) ratio. For UAE nationals, the down payment is lower at 15% (85% LTV). If the property is valued above AED 5 million, the required deposit for expats increases to 35%.
Eligibility is open to UAE Nationals, Expat Residents, and Non-Resident Investors who meet the following criteria:
Age: Between 21 and 65 years old (70 for self-employed) at loan maturity.
Income: Minimum monthly salary typically starting from AED 15,000.
Employment: Minimum 6 months in your current role or 2 years for business owners.
Credit Score: A healthy AECB credit history with no recent defaults.
Affordability: Total monthly debts must not exceed 50% of your monthly income.
Beyond the down payment, the cost of buying property in Dubai includes several mandatory fees. You should budget for 4% DLD fees, a 2% real estate commission, and a mortgage registration fee of 0.25% of the loan amount. Additionally, banks charge a valuation fee (approx. AED 3,000) and a processing fee (typically 1% of the loan amount). These ratios are regulated by CBUAE.
The choice between fixed vs variable mortgage rates depends on your financial goals. A fixed-rate mortgage offers interest rate stability for 1 to 5 years, protecting you from market spikes. A variable-rate mortgage is EIBOR linked, meaning your payments will fluctuate based on the daily UAE benchmark rates. Many borrowers in 2026 prefer a hybrid model: starting with a fixed rate and transitioning to variable.
Yes, you can qualify for a Golden Visa through property investment even if the property is under a mortgage. The total value of the property must be at least AED 2 million. Under current regulations, you can apply for the 10-year residency once the property is registered in your name, provided you have a Letter of No Objection (NOC) from your bank and meet the minimum equity requirements.