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Property buying
& refinancing


Making your property purchase or refinance as simple and stress-free as possible is our goal. Whether you’re a first-time buyer or looking to remortgage, our intuitive mortgage calculator can help.


It’s completely free and lets you quickly estimate your monthly payment. Just input your details, and we’ll take care of the rest.


If you’re ready to take the next step, our expert mortgage team is available to guide you through the process and find you the most competitive rates in the UAE.

FAQs

How is my borrowing limit decided?

Banks will consider up to 50% of your monthly income when calculating affordability. From that amount, they subtract any existing credit commitments to determine how much you can afford to borrow.

They’ll also perform a stress test by applying an interest rate between 3.5% and 8%. This ensures you can still afford your mortgage if rates increase to that level.

What rates can I expect in the UAE?

Current fixed rates can be as low as 3.75%, with variable rates being approximately 4.85%, rising to 8% dependent on the bank.  

Can non-residents use finance in the UAE?

Yes, the process is relatively easy for a non-resident to get a mortgage in the UAE. You will need three months of bank statements which demonstrate affordability and a copy of your passport.

What is the minimum deposit?

The minimum down payment for a property under AED 5 million is 20% for an expat or 15% for a UAE national. The minimum down payment for a property over AED 5 million is 30% for an expat or 25% for a UAE national.

What is the maximum mortgage term I can have?

In the UAE, the maximum mortgage term is 25 years.

What kind of documentation is required?

In general, you will need the following documents for your mortgage:
• Copy of your passport, visa and Emirates ID
• Last six months’ payslips and bank statements
• Latest credit card statements
• Proof of your current address 

How long will it take to get a pre-approval?

A mortgage pre-approval is generally approved within 5 business days and will be valid for 60 days.

Why should I use a broker instead of going to the bank?

One of the main benefits of using a mortgage broker is that they can compare offers from all major providers and may have access to exclusive deals. This can help you secure a mortgage with lower interest rates and fewer fees than if you went directly to your bank.
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Mortgage Calculator

Our mortgage service

Our focus is on delivering high-quality mortgage options for homeowners and
property investors. We leverage the latest technology while prioritising delivering an
exceptional service, ensuring we lead the way in the UAE’s mortgage industry.

Competitive
interest rates

Our competitive interest rates ensure that you get the best value for your investment.

Instant
decisions

Get fast, hassle-free approvals with our streamlined process.

No hidden fees
or costs

Clear and straightforward terms with no surprise fees or hidden costs along the way.

Dedicated
support

Personalised guidance and expert advice, ensuring a smooth and stress-free experience.

We are proud to partner with the region’s top
lenders to get you the best mortgage.