Property Mortgage Services
Clear Guidance. Competitive Rates. Seamless Processing.Our Mortgage Services
Pre-Approval & Eligibility Assessment
Comprehensive support in evaluating your borrowing capacity and securing bank pre-approval to strengthen your property purchase position.
Bank Comparison & Rate Negotiation
Detailed analysis of leading lenders, with professional negotiation to secure the most competitive interest rates and favorable loan terms.
End-to-End Loan Processing & Approval Management
Complete coordination of documentation, bank communication, and application handling through to final approval and fund disbursement.
Non-Resident & International Mortgage Solutions
Specialized financing options tailored for overseas investors and foreign buyers seeking property in Dubai.
Financial Planning & Affordability Guidance
Strategic advisory to structure your mortgage responsibly, ensuring sustainable repayments aligned with your long-term investment goals.
Post-Approval & Refinancing Support
Ongoing assistance after loan approval, including refinancing advice, restructuring options, and future portfolio planning
Frequently Asked Questions..
Typically, banks may lend up to 7 times your annual income, depending on your financial profile. Your eligibility will also consider existing loans, credit cards, and other liabilities, which can reduce the total amount you qualify for.
Mortgage rates vary from one bank to another and depend on factors such as your employment status (salaried or self-employed), credit profile, and residency status. For non-residents, rates can start from 3.89% for a 3-year fixed term, subject to approval.
The required deposit depends on your residency status and whether you are a first-time or second-time buyer: Expat residents (first-time buyer): 20% UAE nationals (first-time buyer): 15% Expat residents (second-time buyer): 40% UAE nationals (second-time buyer): 35% Some banks may offer exceptions if your existing mortgage is below 60% loan-to-value (LTV).
Yes, non-residents are eligible to apply for property financing in the UAE. However, approval depends on individual assessment, and the maximum financing available is typically up to 60% of the property value, often with slightly stricter requirements.
Required documents generally include proof of income, bank statements, identification, and property details (requirements vary by bank). Initial feedback is usually provided within 2 working days, and full pre-approval commonly takes 5–7 working days, provided all requested documents are submitted promptly.
