Residents and non-residents
UAE residents and non-residents can both borrow to buy property here, though the loan-to-value, the rate and the documents differ. Non-resident lending is a narrower market, and knowing which banks actually do it, and on what terms, saves a great deal of wasted time.
We tell you upfront what you can realistically borrow and from whom, so you shop for property with a real budget rather than a hopeful one.
Fixed, variable and the real cost
The headline rate is not the whole cost. Arrangement fees, valuation fees, early-settlement terms and the reversion rate after a fixed period all change what a mortgage actually costs over its life.
We compare offers on the total cost, not the teaser rate, and explain the trade-off between a fixed period and a variable rate for your situation.
From pre-approval to completion
We arrange pre-approval so your offer on a property is credible, assemble the income and liability evidence the bank needs, and manage the valuation and the paperwork through to completion.
If you are also setting up a company or moving to the UAE, we join the pieces up, because a mortgage rarely sits on its own.
Mortgage approval, loan-to-value and rates are set by the lender and subject to its criteria and the UAE Central Bank rules; no broker can guarantee a specific outcome. We secure the best terms we can for your profile.