Mortgage Services
Securing a mortgage seems challenging and complicated, especially for an investor, first-time purchaser, or expatriate moving to the United Arab Emirates.
Our team of highly skilled experts simplify it, making it straightforward and personalized for your needs.
Be it selecting the ideal loan product or enjoying the best interest rates and receiving approvals in the shortest time possible, our bespoke mortgage offers are designed to serve you every step of your home finance journey.
Our offerings Include
Pre-Approval Assistance
Before you begin your home search, consider obtaining a mortgage pre-approval to determine precisely how much you can afford to borrow.
Bank Comparisons & Rate Negotiation
Our mortgage advisors compare offers from several UAE banks and lenders. An evaluation is conducted for both fixed and variable rate options.
Loan Approval Management
A thorough inspection is conducted to ensure the property meets all the criteria before possession. From quality control to outstanding issues, our experts ensure everything is right.
Non-resident and foreign mortgages
We help non-residents and expatriates find appropriate mortgage products that satisfy eligibility requirements.
Financial Guidance & Budgeting
Straightforward guidance is offered based on lifestyle, affordability, and long-term real estate investing.
Post-Approval Advice
It is ensured that there are no unpleasant surprises by supporting you throughout loan’s disbursement, property registration, and final handover after it has been approved.
Various Mortgage Options
- Residential Home Loans
- Mortgages for Investment or buy-to-let Properties
- Shariah-Compliant Mortgages and Islamic Finance
- Variable and Fixed Rate Mortgages
- Switching Lenders or Re-mortgaging to Obtain Best Rates
- Top-Up Loans & Equity Release
Frequently Asked Questions..
What papers are required in the United Arab Emirates to apply for a mortgage?
Your passport, visa, Emirates ID, salary certificate, bank statements for six months, and proof of address would typically be asked for. A trade licence and audited accounts may be asked for if you are self-employed.
Can foreigners get a mortgage in the United Arab Emirates?
Though they may need to qualify for more stringent lending conditions and give a slightly higher down payment, non-residents are encouraged to apply for United Arab Emirates property financing.
How much down payment is required for a house loan in the UAE?
Depending on the preference and creditworthiness of the lender, UAE nationals may start with a 15% down payment on property prices below AED 5 million, while foreigners must provide at least 20%.