Comprehensive Mortgage Solutions
From residential to commercial, we offer tailored financing options for every property type.
MOST POPULARResidential Property Mortgages
Your dream home, financed perfectly
- Apartments, villas & townhouses
- Up to 80% loan-to-value (LTV)
- Fixed & variable rate options
Commercial Property Financing
Grow your business portfolio
- Office, retail & industrial properties
- Flexible repayment structures
- Investment property financing
Refinance Solutions
Optimize your existing mortgage
- Lower your monthly payments
- Rate-and-term refinancing
- Cash-out refinancing options
Equity Release
Unlock your property’s potential
- Access up to 80% of home equity
- Competitive interest rates
- Quick approval & disbursement
Islamic Finance (Sharia-Compliant)
Faith-based home financing
- 100% Sharia-compliant structures
- Ijara (lease-to-own) financing
- Murabaha (cost-plus) options
Non-Resident Mortgages
Invest from anywhere in the world
- Available to global investors
- Up to 65% loan-to-value
- Remote application processing
How It Works
Your Path to Homeownership
Our streamlined 6-step process makes getting a mortgage simple, fast, and stress-free.
Free Consultation
Share your financial goals and property requirements with our expert advisors.
Document Collection
We guide you through the paperwork — salary slips, bank statements, and ID.
Bank Matching
We compare offers from 15+ banks to find the best rates and terms for you.
Pre-Approval
Receive your mortgage pre-approval letter, typically within 24 hours.
Final Approval
Once you find your property, we secure the final approval and coordinate closing.
Keys in Hand
Congratulations! Move into your new home with full confidence.
Mortgage Types
Understanding Your Options
Not sure which mortgage type is right for you? Here's a quick comparison.
From 3.75%
Fixed Rate Mortgage
Your interest rate stays the same for the entire fixed period, giving you predictable monthly payments.
- Predictable payments
- Budget certainty
- Protection from rate rises
Best for: Buyers who want payment stability
From 1.49%
Variable Rate Mortgage
Your rate fluctuates with the market (EIBOR). Typically starts lower than fixed rates.
- Lower initial rate
- Benefit from rate drops
- Flexible terms
Best for: Buyers comfortable with some risk
Eligibility
Who Can Apply?
Our mortgage products are available to a wide range of applicants.
UAE Residents
Employed or self-employed
Non-Residents
International investors from 50+ countries with valid passport
Minimum Salary
AED 10,000/month for salaried.
Age Requirement
Maximum age 70 years
Credit History
Clean credit bureau report.
Documents Ready
Passport, salary certificate, bank statements & property details
FAQs
Frequently Asked Questions
Answers to the most common mortgage questions from our clients.
What is the minimum down payment required?
For UAE residents, the minimum down payment is typically 20% for properties under AED 5M and 15% for first-time buyers. Non-residents may need 40-50% down.
How long does the mortgage approval process take?
Pre-approval can be issued within 24 hours. Full approval typically takes 2-3 weeks from submission of complete documents to final offer letter.
Can I get a mortgage if I’m self-employed?
Yes! We work with several banks that offer mortgage products for self-employed individuals. Additional documentation like audited financials may be required.
What are the current mortgage interest rates?
Rates start from 3.75% for fixed-rate mortgages. Variable rates may be lower initially. We’ll help you compare the best options across all partner banks.
Is there a penalty for early repayment?
Most UAE banks charge 1-3% of the outstanding balance for early settlement. We can help you find products with favorable early repayment terms.
Do you charge any fees for your service?
Our mortgage advisory service is completely free for homebuyers. We earn our commission from the banks, so there are zero costs to you.
