Best Mortgage broker in dubai-UAE
We are your friendly and trusted mortgage consultancy specialized in residential and commercial property financing in the United Arab Emirates.
Planning to apply for a mortgage?
We review and accept business requests on a 24/7 basis
We work for you, Not for the banks!
Capital Zone Mortgage Brokers was established to assist purchasers in their mortgage quest. When you’re looking to buy your property, our mortgage brokers can provide sage advice because they are knowledgeable in the subject.
The mortgage team can provide you advice on which bank would be the most suitable for your needs because they have developed partnerships with several banks over the years.
Best mortgage broker in dubai
Required Documents To Apply for a mortgage in dubai
Personal Documentation
- Emirates ID, Passport & Visa
Salaried employee:
- Latest salary certificate
- Latest pay slips
- Any additional bank statements from the last 6 months
Self-employed:
- Valid Trade License copy
- MOA (Memorandum of Association) including all amendments
- Bank statements from the last 6 months
- Audited financials from the last 2 years
Identical documentation for co-borrowers (if applicable)
bEST Mortgage broker in dubai
How to get Approved?
Wondering how it all works? Here are few criteria we take into action.
- Down Payment - Your down payment is your first stake in your new home
- Credit Score - The better your score, the more likely you are to get a great interest rate
- Employment History - A steady work history tells us how you well you will be able to meet your mortgage
- Debt Burden Ratio - Ratio helps us determine how much mortgage you can afford
Down Payment
Employment History
Credit Score
Debt Burden Ratio
Benefits of using a mortgage broker in dubai - UAE
When making such a crucial choice, it is advised to consult a best mortgage broker in Dubai in order to receive the finest guidance. They can help you at every step of the way because they have a lot of knowledge and experience.
Time and money are two of the most important things in life, and fortunately, hiring a mortgage broker can help you save on both! By taking the time to identify your needs and the best way to meet them, a professional mortgage broker can potentially save you thousands of dollars in up-front expenses and much more over the course of the loan.
Mortgage brokers have access to various products and services that can save you a lot of money because of the substantial amount of business they conduct via the banks, including offers of 0% processing costs with specific institutions and even lower interest rates.
On your behalf, a highly competent mortgage broker in Dubai will communicate with all banks in the market. If you went straight to the bank, they would only give you their services, which might not be the best for you. As a result, you would have to visit several banks before you found the ideal one.
The existing relationships that the mortgage broker has built over time with the banks is extremely valuable when negotiating the best deal for you. They aim to make the process as hassle free and relaxed as possible.
Getting the pre-approval is only the first step in the mortgage process and there are plenty of hiccups that can occur along the way. Whether it could be amendments to banks terms and conditions, a low valuation that needs to be challenged, a non-resident seller with no bank account, troubles involving the NOC, liability letters expiring, or a multitude of other potential obstacles a mortgage broker will work closely with their in-house sales progression team to guide you through the entire experience and make sure your interests are protected at all times.
- We’ll evaluate all available products in the market and short list the most suitable options for you
- We’ll coordinate all necessary documents, secure your mortgage pre-approval, and complete your bank application forms.
- We’ll handle all bank interactions, and co-coordinate the property valuation and mandatory life insurance.
- Once the mortgage is secured, we’ll coordinate the property transfer. We even provide advice after settlement.
Why we are the best Mortgage Broker in Dubai?
Mortgage Rates In The UAE
Here are Our Available best mortgage Rates And Products. Not Sure Which one to Choose? Find out which mortgage is right for you!
Mortgage Calculator
Calculate how much you can afford to borrow with our easy to use mortgage calculator
Our Mortgage 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 your first or second mortgage we are here to help you to get the best possible rates and conditions and guide you through the whole process of getting the new property.
Equity Release
Releasing equity from your property can be a good idea to renovate your property or fund another purchase. You can avail up to 70%-80% loan to value of your existing property.
Re-Mortgage
Refinancing your home is simply getting a better mortgage deal to replace the original mortgage. Refinancing is done to allow a borrower get a better rate to save on interest.
Non-Resident Mortgage
Non resident can get up to 75% loan to value for purchasing a property in the UAE.
Loans Against Rental Income
The rental income can be used along with other income, such as your salary to increase your borrowing power or else mortgage out of the rental income purely are also available.
Under Construction & Off Plan
Arrange up to 50% loan to value (LTV) for the off plan or under construction property. The LTV can be increased after the handover.
Commercial & Building Finance
We also assist our clients in planning and arranging finance for residential as well as commercial developments.
Construction & 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.
Our Banking Partners
We work with more than 15 different lenders to get you the best mortgage in the UAE!
Follow us on social media!
Follow Us on Social Media – Keep up to date with all our latest services, special mortgage rates and many more
Checkout Our latest Blogs & Mortgage News
Capital Zone Mortgage news and articles on the UAE Mortgage market
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Own Your Dream home today!
Our excellent mortgage brokers in Dubai will help you to secure the best mortgage deals in the UAE whether you’re a first time buyer, re-mortgaging your home or constructing your own villa. We will help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest mortgage advices.
Frequently Asked Questions
A conventional mortgage is where your loan repayments will include paying a rate of interest to the bank, this is their profit for lending you the funds.
An Islamic mortgage differs from a conventional mortgage because under Shariah Law it is forbidden to charge interest on a loan, so in this case banks will buy the property on your behalf and rent or lease it back to you for a profit.
This depends on your occupation. Salaried candidates will usually have to endure 1 week until approval, whereas self-employed candidates may have to endure a longer period.
Yes, they can, although the conditions and possible charges will be different for non-residents.
Your credit limit is determined by your present income and liabilities. Depending on the bank, this may change.
EIBOR is the Emirates Interbank Offered Rate, which is the rate at which banks lend to each other. EIBOR rates change daily and can be checked on the Central Bank website here
The minimum down payment for a property under AED 5million is 20% for an expat or 15% for a UAE national. The minimum down payment for a property over AED 5million is 30% for an expat or 25% for a UAE national.
Testimonials
What Customers Say About Us
I come from France, I trusted capital zone for my file, a team of professionals, they found the solution for my loan and I managed to get my loan, they listen, respond quickly, I highly recommend Capital zone.
Special thanks to Ms. Svetlana. She made it happen! Very nice job. All went very smooth with your company support.
Great service!! Nikhil was a great help. He guided us from A-Z, always replied and guided us safely through the process of buying a home! Always again.
Me and my family had an amazing experience with Capital Zone Mortgage Broker. Very Professional and answering all my questions. From start to finish the staff has been very helpful and made my work so easy. I can say I received a peace of mind with the company.
Capital Zone was very helpful in completing my mortgage process. It was not easy dealing with the developer where we both our first home in Dubai. With the help of Mr. Gourav from Capital Zone, we were able to spend our new year this year in our new home.
This was our first loan in Dubai and Nikhil handled the process with utmost professionalism and patience. He dealt with all our queries, explained the logics, coordinated with the Bank and the property Agent, made sure that I was informed about every little detail.
