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Your Commercial Financing Partner

Secure the right funding for industrial units, hotels, and commercial investments with tailored real estate financing solutions across the UAE.

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4.9 ★★★★★Google Ranking
5,000+Happy Clients
15+Years of Experience
1,000+Clients in Dubai

We work for you, not the bank.

We understand that the property transaction and mortgage process is more complicated than most expect. This is why we are here to support you through each step of the journey.

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Get the right mortgage

Save money

Avoid hidden fees and save on upfront costs. We help you save hundreds of thousands of dollars over the duration of the mortgage.

Your trusted advisor

We act on your behalf and protect your interests throughout the home buying process.

Guide through the journey

The mortgage process can be daunting and confusing. We manage the journey entirely and ensure your application is approved on time.

Ongoing support

Building long-term relationships is key. We stay in touch to renegotiate your mortgage after the fixed term and support future purchases.

How it works

Secure the best rates and personalized mortgage solutions for your dream home. Fast approvals, expert advice, and tailored services to meet your needs.

01

Initial consultation

We conduct an initial consultation to develop a deep understanding of your goals, taking into consideration your finances, employment status, age, long-term plans and the type of property you are interested in.

02

Recommendation

We search the whole market to provide you with recommendations of the best mortgage options based on your profile. We explain the benefits and drawbacks of each to help you decide.

03

Agreement, application and approval

We package your application and submit it to the bank. We handle any queries from the bank on your behalf, ensuring the highest pre-approval success rate.

04

Mortgage processing

We arrange the property valuation and resolve any issues. We also support you with bank account opening and all necessary documents to avoid delays.

05

Final offer letter

Before signing, we double-check that the mortgage is still the best option. We review the offer letter for accuracy and coordinate signing and fund confirmation.

06

Property transfer

We arrange mortgage disbursement and delivery of property documents to the conveyancer, ensuring a smooth transfer and no objection certificate process.

We work with all the banks

Mashreq Emirates NBD Arab Bank Standard Chartered CBD DIB Mashreq Emirates NBD Arab Bank Standard Chartered CBD DIB
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Frequently Asked Questions (FAQs)

A mortgage in the UAE is a home loan provided by a bank or financial institution to help you purchase residential or commercial property. The lender finances a portion of the property value while you contribute the down payment. The loan is repaid through monthly installments consisting of principal and interest over a period that can extend up to 25 years. The property itself acts as collateral until the mortgage is fully repaid. Mortgage advisors help borrowers compare lenders, secure competitive mortgage rates, and navigate the approval process smoothly.

Mortgages in Dubai and the UAE are available to UAE nationals, resident expatriates, and even non-resident property investors. Eligibility depends on factors such as income level, employment status, credit history, and age at loan maturity. Salaried employees, business owners, and self-employed individuals can apply, although documentation requirements vary. Working with a mortgage advisor helps you identify lenders that match your financial profile and increases your chances of securing mortgage approval.

The amount you can borrow for a UAE mortgage depends on your income, financial obligations, and the property value. Banks typically finance up to 80% of the property value for UAE nationals and around 75% for resident expatriates when buying a first property. Non-resident buyers usually receive financing of up to 60-70%. Lenders also evaluate your Debt Burden Ratio (DBR), which must remain below 50% of your monthly income. Mortgage advisors compare lenders and help structure your application to maximize borrowing potential.

The minimum down payment for a property purchase in Dubai depends on the buyer’s residency status and the property value. UAE nationals typically need a minimum down payment of 15% for their first property. Resident expatriates generally require at least 20%, while non-resident buyers may need 30-40% depending on the bank and property type. Additional costs such as the Dubai Land Department fee, valuation fee, and mortgage registration charges should also be considered when planning your property purchase.

The Debt Burden Ratio (DBR) is a key affordability metric used by UAE banks when assessing mortgage applications. It represents the percentage of your monthly income that goes toward paying debts, including the new mortgage, personal loans, and credit card obligations. According to UAE Central Bank regulations, your DBR cannot exceed 50% of your monthly income. Mortgage advisors help analyze your financial profile and recommend lenders where your DBR meets approval requirements.

Yes, self-employed professionals and business owners can obtain mortgages in Dubai and across the UAE. However, banks require additional documentation such as audited financial statements for the past two to three years, business bank statements, and a valid trade license. Lenders evaluate the stability and profitability of your business before approving a loan. Mortgage advisors help match self-employed applicants with banks that specialize in entrepreneurial income structures.

When obtaining a mortgage in the UAE, buyers should budget for several additional costs beyond the down payment. Common fees include the bank arrangement fee (typically around 1% of the loan amount), property valuation fees (AED 2,500–3,500), mortgage registration fees (0.25% of the loan amount plus AED 290), and the Dubai Land Department transfer fee of 4% of the property price. Mortgage advisors provide a full cost breakdown to help buyers plan their finances accurately.

Mortgage approval timelines in Dubai typically start with pre-approval, which can take between one and three working days once documents are submitted. Full mortgage approval and final disbursement usually take between two and four weeks depending on the bank, property valuation process, and documentation completeness. Mortgage advisors accelerate the process by managing bank communication, preparing documentation, and ensuring that applications meet lender requirements from the start.

Yes, homeowners in the UAE can refinance their mortgage by transferring the loan to another bank offering lower interest rates or better loan terms. Refinancing can reduce monthly payments, shorten the loan duration, or allow access to property equity. The process involves settling the existing mortgage, registering a new loan with the new bank, and completing updated documentation. Mortgage advisors compare refinancing options from multiple lenders to secure the most competitive rates available.

A mortgage advisor works independently to represent your interests rather than the bank’s. Advisors compare mortgage products from multiple lenders across the UAE to find the best interest rates, repayment terms, and approval conditions. They also handle paperwork, negotiate with lenders, and guide you through every step of the property financing process. In many cases, mortgage advisory services are free for borrowers because advisors receive a commission from the lender after the mortgage is successfully completed.