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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 2.79% p.a.
Arrangement Fee 0.5%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 8,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0% p.a.
Arrangement Fee 0.7875%
Downpayment 20%
Max Finance Amount AED 24M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0.7875% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 24M
Early Settlement Fee 0%

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Min. Salary AED 75,000
Flat Rate
(est. equivalent)
From 2.89% p.a.
Reducing Rate
(est. equivalent)
From 5.25% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 25M
Early Settlement Fee 1%

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Min. Salary AED 40,000
Flat Rate
(est. equivalent)
From 2.35% p.a.
Reducing Rate
(est. equivalent)
From 4.49% p.a.
Arrangement Fee 1.05%
Downpayment 25%
Max Finance Amount AED 25M
Early Settlement Fee 3.15%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.06% p.a.
Reducing Rate
(est. equivalent)
From 3.75% p.a.
Arrangement Fee 0%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 2.06% p.a.
Reducing Rate
(est. equivalent)
From 3.75% p.a.
Arrangement Fee 0%
Downpayment 25%
Max Finance Amount AED 15M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 1.92% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 70,000
Flat Rate
(est. equivalent)
From 2.07% p.a.
Reducing Rate
(est. equivalent)
From 3.75% p.a.
Arrangement Fee 1%
Downpayment 15%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.85% p.a.
Reducing Rate
(est. equivalent)
From 6.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 3.85% p.a.
Reducing Rate
(est. equivalent)
From 6.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.44% p.a.
Reducing Rate
(est. equivalent)
From 6.24% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 3.44% p.a.
Reducing Rate
(est. equivalent)
From 6.24% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.34% p.a.
Reducing Rate
(est. equivalent)
From 4.24% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 2.34% p.a.
Reducing Rate
(est. equivalent)
From 4.24% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.76% p.a.
Reducing Rate
(est. equivalent)
From 5% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 2.76% p.a.
Reducing Rate
(est. equivalent)
From 5% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.62% p.a.
Reducing Rate
(est. equivalent)
From 4.75% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 2.62% p.a.
Reducing Rate
(est. equivalent)
From 4.75% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 70,000
Flat Rate
(est. equivalent)
From 2.07% p.a.
Reducing Rate
(est. equivalent)
From 3.75% p.a.
Arrangement Fee 1%
Downpayment 15%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.45% p.a.
Reducing Rate
(est. equivalent)
From 6.25% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 3.45% p.a.
Reducing Rate
(est. equivalent)
From 6.25% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.45% p.a.
Reducing Rate
(est. equivalent)
From 6.25% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 3.45% p.a.
Reducing Rate
(est. equivalent)
From 6.25% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.3% p.a.
Reducing Rate
(est. equivalent)
From 5.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 3.3% p.a.
Reducing Rate
(est. equivalent)
From 5.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 1.92% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 1.92% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.99% p.a.
Reducing Rate
(est. equivalent)
From 2.99% p.a.
Arrangement Fee 0%
Downpayment 15%
Max Finance Amount AED 0
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.99% p.a.
Reducing Rate
(est. equivalent)
From 2.99% p.a.
Arrangement Fee 0%
Downpayment 20%
Max Finance Amount AED 0
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 1.92% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 70,000
Flat Rate
(est. equivalent)
From 1.79% p.a.
Reducing Rate
(est. equivalent)
From 3.24% p.a.
Arrangement Fee 1%
Downpayment 15%
Max Finance Amount AED 50M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0% p.a.
Arrangement Fee 0.5%
Downpayment 20%
Max Finance Amount AED 1.3M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0% p.a.
Arrangement Fee 0.5%
Downpayment 20%
Max Finance Amount AED 1.4M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.99% p.a.
Reducing Rate
(est. equivalent)
From 7.49% p.a.
Arrangement Fee 1.05%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1.05%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.99% p.a.
Reducing Rate
(est. equivalent)
From 7.49% p.a.
Arrangement Fee 1.05%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1.05%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.5% p.a.
Reducing Rate
(est. equivalent)
From 6.57% p.a.
Arrangement Fee 1.05%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1.05%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.5% p.a.
Reducing Rate
(est. equivalent)
From 6.57% p.a.
Arrangement Fee 1.05%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1.05%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.93% p.a.
Reducing Rate
(est. equivalent)
From 3.5% p.a.
Arrangement Fee 0%
Downpayment 25%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.93% p.a.
Reducing Rate
(est. equivalent)
From 3.5% p.a.
Arrangement Fee 0%
Downpayment 25%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.93% p.a.
Reducing Rate
(est. equivalent)
From 3.5% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.31% p.a.
Reducing Rate
(est. equivalent)
From 6% p.a.
Arrangement Fee 1%
Downpayment 50%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 3.31% p.a.
Reducing Rate
(est. equivalent)
From 6% p.a.
Arrangement Fee 0%
Downpayment 50%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.98% p.a.
Reducing Rate
(est. equivalent)
From 3.59% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 15M
Early Settlement Fee 3%

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Min. Salary AED 25,000
Flat Rate
(est. equivalent)
From 2.58% p.a.
Reducing Rate
(est. equivalent)
From 4.5% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.17% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 50%
Max Finance Amount AED 100M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.17% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 35%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.17% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 1.92% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 0%
Downpayment 25%
Max Finance Amount AED 7.3M
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0% p.a.
Arrangement Fee 0%
Downpayment 0%
Max Finance Amount AED 7.3M
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 0% p.a.
Arrangement Fee 0%
Downpayment 0%
Max Finance Amount AED 7.3M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 2.18% p.a.
Reducing Rate
(est. equivalent)
From 3.54% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.18% p.a.
Reducing Rate
(est. equivalent)
From 3.54% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 1.75% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 15M
Early Settlement Fee 1%

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Min. Salary AED 8,000
Flat Rate
(est. equivalent)
From 0% p.a.
Reducing Rate
(est. equivalent)
From 1.75% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 15M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 3.04% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 5M
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 3.04% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 3M
Early Settlement Fee 1%

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Min. Salary AED 6,000
Flat Rate
(est. equivalent)
From 1.77% p.a.
Reducing Rate
(est. equivalent)
From 3.39% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 6,000
Flat Rate
(est. equivalent)
From 1.77% p.a.
Reducing Rate
(est. equivalent)
From 3.39% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 20M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 2.09% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 18M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 2.09% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 18M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.83% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 0
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.83% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 1%

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Min. Salary AED 25,000
Flat Rate
(est. equivalent)
From 3.31% p.a.
Reducing Rate
(est. equivalent)
From 6% p.a.
Arrangement Fee 1%
Downpayment 50%
Max Finance Amount AED 3M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.75% p.a.
Reducing Rate
(est. equivalent)
From 4.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 8M
Early Settlement Fee 1%

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Min. Salary AED 25,000
Flat Rate
(est. equivalent)
From 3.31% p.a.
Reducing Rate
(est. equivalent)
From 6% p.a.
Arrangement Fee 1%
Downpayment 50%
Max Finance Amount AED 3M
Early Settlement Fee 1%

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Min. Salary AED 12,000
Flat Rate
(est. equivalent)
From 2.75% p.a.
Reducing Rate
(est. equivalent)
From 4.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 8M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.93% p.a.
Reducing Rate
(est. equivalent)
From 3.69% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Early Settlement Fee 1%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 2%

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Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.1% p.a.
Reducing Rate
(est. equivalent)
From 3.81% p.a.
Arrangement Fee 1%
Downpayment 15%
Max Finance Amount AED 15M
Early Settlement Fee 1%

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Min. Salary AED 40,000
Flat Rate
(est. equivalent)
From 2.1% p.a.
Reducing Rate
(est. equivalent)
From 3.81% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 2%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.48% p.a.
Reducing Rate
(est. equivalent)
From 4.5% p.a.
Arrangement Fee 1.25%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 1%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 2%

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.48% p.a.
Reducing Rate
(est. equivalent)
From 4.5% p.a.
Arrangement Fee 1.25%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 1%

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0 processing fees

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Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Early Settlement Fee 2%

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Min. Salary AED 8,000
Flat Rate
(est. equivalent)
From 2.5% p.a.
Reducing Rate
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From 4.57% p.a.
Arrangement Fee 1.05%
Downpayment 25%
Max Finance Amount AED 2.5M
Early Settlement Fee 3.15%

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Min. Salary AED 15,000
Flat Rate
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Arrangement Fee 0%
Downpayment 0%
Max Finance Amount AED 35M
Early Settlement Fee 1%

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Min. Salary AED 15,000
Flat Rate
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From 0% p.a.
Reducing Rate
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Max Finance Amount AED 35M
Early Settlement Fee 1%

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We support you in all the stages

Buying a Property & Mortgage could be a lengthy and stressful experience for the first time home buyer. We make this process hassle free and easy. We provide you with the right knowledge, information, and solutions whether you are looking to buy a New property or want to Remortgage your property with a much better terms & Conditions.

We will coordinate your mortgage

We'll coordinate all necessary documents, secure your mortgage pre-approval, and complete your bank application forms.

We take all the mortgage hassle

We'll handle all bank interactions and assist you from start to finish: in the application process, document compilation, presentation & negotiation with the banks.

We provide you with continuous support

We take away all your hassles and support you through the complete end to end mortgage buying experience.

All Applicants Requirement

All Applicants Requirement

  • Copy of a valid passport with visa page (UAE residents), Khulasat Al Qaid (UAE Nationals) and Emirates ID.
  • Copies of original 6 months personal bank statements from all transactional accounts (latest statement no older than 30 days)
  • Copies of original 3 months personal bank statements from all overseas transactional accounts (latest statement no older than 30 days)
  • Copies of original documentation confirming your current residential address (tenancy agreement, ADWEA/DEWA bill etc.)
  • If applicable, copies of original proof of any additional income received. Amounts to be corroborated on bank statements
  • If applicable, details of any current mortgage (eg. statement or a copy of the mortgage offer letter for all mortgages), including Shari'ah Mortgages and copy of original UAE National Housing Loan  confirmation. Details of any overdraft facilities approved.
  • If applicable, copy of the original clearance letter for any loans settled in the last month
Salaried Applicants

Salaried Applicants

  • Original salary certificate and/or last 3 months salary slips (no older than 30 days). Please provide employment contract detailing salary and probationary period if you have been employed for less than 6 months.
  • If receiving bonus income: Original letter from your employer confirming bonuses paid for the past 3 years. All payments should also be seen on your bank statements.
  • If receiving commission income: Original letter from your employer confirming commission earned over the previous 24 months. All payments should also be seen on your bank statements
Self Employed &
Company Owner Applicants

Self Employed

  • Company profile giving a detailed view of the nature of your business
  • Copies of original 2 years audited financial accounts (most recent dated no older than 18 months) or 2 years most recent tax assessments if not audited.
  • Copy of Trade License
  • Copy of Memorandum and Articles of Association (first Memorandum and all amendments made to date)
  • Copies of original 6 months latest business bank statements (no older than 30 days) on the business transactional bank account
  • Copies of original 12 months business bank statements on the business transactional bank account covering the trading period shown by your latest Financial Accounts. These statements should corroborate turnover, otherwise provide a detailed explanation
Non Resident Applicants

Non Resident Applicants

  • Credit Reference Agency Report from an approved Agency in the applicants country of residence (no older than 30 days)
  • Copies of original 6 months personal bank statements from all overseas transactional accounts (latest statement no older than 30 days)
  • Self-employed clients – Copies of original 2 years audited financial accounts (most recent no older than 18 months)
  • Self-employed clients – 2 years' tax assessments signed-off by the relevant tax authority (not more than 12 months old)

Finance Partners

FAQs

FAQs

ABOUT APPLICANTS

Most banks will calculate affordability slightly differently, but a general rule of thumb is that they will take only 50% of your monthly income into account when calculating this.

From this 50% they will then deduct any other credit commitments you have (e.g. car loans, personal loans and approximately 5% of all your credit card limits), to work out your maximum affordability.

They will then carry out a stress test by applying a stress rate of interest which varies between 3.5% to 8% depending on the bank. The aim of this is to confirm that you will still be able to afford your mortgage repayments if the interest rates were to increase to the test level.

It is possible to get an insurance policy to cover you in the event that you are unable to make your mortgage repayments due to accident, sickness or unemployment (this can include redundancy). This type of policy is not something you will get through your bank when taking your mortgage, instead you will need to speak to an insurance advisor to arrange this type of policy. We are able to put you in contact with insurance advisors if this is something you are interested in.

Please note that this type of insurance is separate to the life insurance you are required to have in order to get a mortgage in the UAE.

Yes, a husband and wife can be joint applicants on a property, even if one of the applicants is not working. As long as the applicant can demonstrate that they have the ability to repay the home loan.

Yes. Life insurance is mandatory for any mortgage in the UAE. In most cases the bank lending you the funds for your property purchase will require that you take their in-house life insurance policy in order to get the mortgage. However, we have a number of exclusive deals with banks where we can assign an external life insurance policy which can save you about 50% on the bank’s in-house life insurance policy.

Yes, absolutely! Banks have different preferences when it comes to employed and self-employed applications. We have a lot of experience working with self-employed clients and we are very familiar with the banks that look favourably on these applicants.

The minimum age limit is generally 21 and the maximum term is up to age 65 for employed expats or 70 for UAE nationals and self-employed expats.

Yes, the process is relatively easy for a non-resident to get a mortgage in the UAE. If you are a non-resident wanting to get a mortgage in Dubai, Abu Dhabi or another Emirate we will require three months bank statements which demonstrate affordability and a copy of your passport.

Yes, absolutely! For your first purchase, you are able to borrow up to 75% of the property value where the property is below AED 5million. If the property is over AED 5million, as an expat you can borrow up to 65% of the property value.

Nearly everyone can get a mortgage within the UAE as long as you can demonstrate your income. Income can be from a variety of sources including salary, commission and rental income. Contact one of our mortgage brokers to discuss your specific situation.

Yes. When you leave the UAE, you can keep the property as a buy-to-let. Most of the banks are mainly concerned with you keeping up your mortgage repayments and not falling into arrears.

ABOUT MORTGAGES

Your mortgage should remain unaffected by the coronavirus pandemic in the short-term.

If you already have a mortgage, continue meeting your monthly repayments as usual. Should you face financial difficulties that impact your ability to meet your mortgage repayments, we advise you to make contact with your mortgage lender.

The Central Bank of the UAE (CBUAE) has rolled out an AED 100 billion economic stimulus package in response to the coronavirus pandemic. In the circular announcing the package, it was noted that many customers may have become “exposed to the risk of temporary shortfall of their cash flows due to the outbreak of COVID-19 pandemic”. In response the CBUAE has ordered that banks grant temporary relief for a period of up to six months to their customers.

For those of you who are in the process of completing on a property purchase with a mortgage, we anticipate that this will continue as normal as banks are still operating. If you have any issues or concerns, please feel free to contact our team for advice.

The situation is constantly changing, and this information was correct as at the time of writing.

Flat and reducing rates of interest are two methods of how interest can be calculated on a mortgage.

A flat rate of interest is where the rate of interest to be paid remains the same for the duration of the loan as it is always calculated against the original amount borrowed (principal).

A reducing rate of interest is where the amount of interest to be paid takes into consideration the repayments that have been made, so it is calculated against the remaining loan amount or outstanding balance, rather than the original principal amount.

On occasion, a flat rate of interest may be advertised at a lower, more appealing rate than its equivalent reducing rate. When taking a mortgage It is important to establish with the bank or your mortgage broker whether a flat or reducing rate has been applied.

Security cheques are required by banks in the UAE as they are used in instances where the borrower fails to meet the repayments for the mortgage. Should this happen, the bank will present the cheque and when it bounces, they will then be able to initiate a legal case to take possession of the property to repay the outstanding debt.

This is not very different to other countries where the bank will have it written into their contract that they can repossess the property where the client defaults on the mortgage.

A security cheque is a type of guarantee required by every bank in the UAE when they give any type of credit facility including credit cards, personal or car loans or mortgages.

The bank will require you to provide them with an undated cheque which covers the full credit amount as a minimum.

Where your employer pays you a housing allowance, this can be taken into account when you are applying for a mortgage.

For example, if you currently live in company provided accommodation and it is stipulated in your contract or salary certificate that you will be paid a housing allowance should you leave the provided accommodation, then the allowance you will be paid can be taken into account for your mortgage.

You will still be required to have the necessary down payment, but the allowance can contribute to your affordability and therefore can, in some cases, increase the amount you are able to borrow.

Bonus income can be taken into account when applying for a mortgage. If it is a guaranteed bonus which is written into your contract or salary certificate then it is more likely to be accepted, but discretionary bonus can also be considered too.

Off-plan finance is available and is something we can assist with. It is important to note, however, that mortgages for off-plan purchases are often limited to projects which are being undertaken by larger, more established developers.

Yes, both residents and non-residents are able to get a mortgage to finance their handover payment to the developer.

Depending on how much has been paid prior to handover, Mortgage Finder will be able to arrange competitive terms with zero processing and arrangement fees.

Some banks will allow an element of the costs for purchasing a property to be added into the mortgage which helps save greatly on the upfront costs. Our mortgage brokers will be able to advise more on this.

Yes, generally it is quite easy to release equity (or cash) from your property as a non-resident. Similar to a non-resident mortgage, minimal documentation is required for this process and you can release up to 55% of the property value which can be used for other purposes.

Yes, mortgages are available for final payments to the developer. Any payments that have already been made to the developer would be considered part of the down payment.

Banks do charge buildings insurance. This can vary but in most cases this is on the bank's in-house policy and equates to around 0.05% of the property value, generally charged on an annual basis.

In general most banks will charge a penalty for settling the mortgage early, but this will vary from one back to another.

In most cases the penalty will range from 0% – 3% of the outstanding mortgage balance but this will depend on whether the mortgage is being repaid by your own funds, being sold or being refinanced by another bank.

Whether you can make overpayments on your mortgage in the UAE depends on the bank that you have taken the home loan with.

Generally, most banks have an allowance to make penalty-free overpayments of up to 50% of the outstanding balance as soon as you take the mortgage. If you are on a fixed rate mortgage, in some cases the bank will only allow overpayments after the fixed rate period has ended.

You mortgage broker will be able to provide more advice on this.

A conventional mortgage is where your loan repayments will include paying a rate of interest to the bank, this is their profit for lending you the funds.

An Islamic mortgage differs from a conventional mortgage because under Shariah Law it is forbidden to charge interest on a loan, so in this case banks will buy the property on your behalf and rent or lease it back to you for a profit.

EIBOR is the Emirates Interbank Offered Rate, which is the rate at which banks lend to each other. EIBOR rates change daily and can be checked on the Central Bank website here.

A reversion rate is the interest rate that your mortgage 'reverts' to after your fixed rate mortgage period comes to an end. The reversion rate, similarly to a variable mortgage rate, is normally linked to an EIBOR rate with a percentage added by the bank.

A fixed rate mortgage is where the rate of interest you pay on your mortgage is kept the same (fixed) for a certain period of time, which is generally between 1-5 years. Once the fixed rate period has ended, in most cases you are then moved onto a reversion rate.

Variable rate mortgages are when the rate of interest you pay is linked to 1, 3, or 6 month EIBOR with a fixed percentage added by the bank. This means the rate you pay can go up or down over time, depending on EIBOR. For example, if in month 1 EIBOR is 2.5% and the fixed margin your bank applies is 1.49%, then the variable rate you will pay is 3.99%. If in month 6 EIBOR has increased to 3.5% then your variable rate will change to 4.99%.

Speaking to one of our mortgage brokers who will be able to assess your borrowing capacity and take you through the pre-approval process.

The mortgage pre-approval process is the first step in getting a mortgage and can take up to 5 working days. However, it is worth noting that securing pre-approval may take longer depending on the bank used and the complexity of your case.

Once pre-approval has been secured and you have settled on a property that you want to purchase, we manage the rest of the process on your behalf until completion.

We would advise that the first step to getting a mortgage in the UAE would be to speak to one of our mortgage brokers.

We will have an initial consultation with you to assess your situation and your borrowing capacity. Based on this consultation, we will then be able to provide you with recommendations on the best mortgage products for you and take you through the mortgage pre-approval process.

Once you have found a property you would like to purchase and you have finalised this, we will then work with the bank on your behalf to get the mortgage setup in a timely manner and manage the complete process until you take ownership of the property.

Yes, all banks will perform a credit check on you before approving a mortgage. The credit bureau is called Al Etihad Credit Bureau and you can obtain your own credit report by downloading the app and paying a small fee.

Documents required can differ depending on your circumstances, but our mortgage brokers will be able to discuss this with you.

In general we will require the following documents for your mortgage:

  • Copy of your passport, visa and Emirates ID
  • Salary certificate addressed to "PSI Mortgage Department"
  • Last six months payslips and bank statements
  • Latest credit card statements
  • Proof of your current address – copy of ADDC/DEWA bill or tenancy agreement

Of course, parents and other family members are allowed to assist with down payment by gifting or lending you the money for this.

By Central Bank regulations, you are not allowed to take a personal loan for the down payment. A personal loan to cover the associated fees is allowed though.

If your down payment is too small, it may be worth considering liquidising any investments, borrowing from family or you can look at a smaller property.

Check out our blog post here on this topic.

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

The amount that you can borrow depends mainly on your income and liabilities. You can find the best Mortgage for you by answering a few questions on our online pre-approval.

For a property purchase price under AED 5million the maximum loan-to-value (LTV) for an expat is 80% and for a UAE national is 85%. For properties over AED 5million, this decreases to 70% LTV for expats and to 75% for UAE nationals.

Mortgage rates can change on a monthly basis, currently rates can start from around 2.99% to 4.99%, depending on the lender and the product type.

The fees in specific relation to a mortgage would be a bank valuation fee and a bank arrangement fee. The bank valuation fee can range from AED 2000 – 5000 and the bank arrangement fee can between 0% to 1.5%, both fees vary depending on the bank.

In Dubai, you will also be required to pay a mortgage registration fee of 0.25% plus a AED 290, which is payable to the Dubai Land Department.

We would say no, but let us explain why.

When approaching a bank directly they will not necessarily have the best mortgage offer for your situation and they will be focused on showing you the benefits of their product.

If you consult a mortgage broker, like Mortgage Finder, our team are able to look at mortgage products across the UAE from different banks to offer you the best one for your situation and also share the pros and cons of them with you, so you can make an informed decision.

A salary transfer means your employer will give an undertaking to the bank that if you were to leave employment for whatever reason (e.g. if you lost your job, moved to another job or even moved outside of the UAE), that any end-of-service gratuity would go to the bank where the salary transfer is being made.

Some banks will give a slightly preferential rate if you undertake a salary transfer to them. Whether these rates are worthwhile is dependent on your situation and our team of expert mortgage brokers will be better able to advise you on this.

The main reason you should get pre-approved is that banks tend to have different appetites for the types of clients they will lend to based on profiles. As a buyer, pre-approval gives you comfort to know that you can look at properties and once you have found the property you want to purchase you will be able to move forward quickly with your bank of choice.

Pre-approval also shows prospective sellers that you are a serious buyer and you are not just window-shopping, this can put you in a more favourable position and assist in negotiations to get a better price.

Mortgage pre-approval is the first step in the mortgage process for buying a property.

It is when the bank reviews your application and issues a letter or email which will state that they have pre-approved you and will lend you the amount requested. This is generally valid for 60 days. This provides comfort that the mortgage approval has been secured on certain terms from the bank and confidence to negotiate on properties safe in the knowledge that matters can be concluded quickly.

It is important that you select a mortgage product which best suits your situation rather than simply going with the product offered by your own bank, as this may not necessarily be the best option for you.

We would always recommend that you speak with an expert mortgage consultancy, like Mortgage Finder, as we have full access to the mortgage products available in the market and we have access to exclusive products too.

A mortgage broker will provide you with unbiased advice and assist you in understanding the full product range that banks are offering. They will share the pros and cons of the various options available and offer their opinion on the best one depending on your situation, so that you can make an informed and educated decision.

Exclusive mortgage products are offers that we get directly from the banks which they will not necessarily offer if you approach them yourself for a mortgage.

The reason some banks are able to offer us exclusive mortgage products is because we work to develop good relationships with them and they realise the benefit of going through a mortgage broker for both you, the end user, and them as the lender.

Examples of the types of offers we might receive from a banking partner include: discounted interest rates, free arrangement and processing fees, lower reversion margins, no requirement for salary transfer and the ability to assign an external life insurance policy . We are then able to forward these exclusive offers on to our clients, depending on which is most suitable for their situation.

In the UAE there are many types of mortgage products available, below are some of the main types:

  • Residential mortgages
  • Investment mortgages
  • Non-resident mortgages
  • Commercial mortgages
  • Rent only mortgages
  • Fixed and floating rate mortgages
  • Offset mortgages
  • Capital and interest/profit mortgages
  • Interest only mortgages
  • Fixed payment mortgages
  • Land and construction mortgages

All of these are available as conventional or Islamic finance.

You can read about the difference between Islamic finance and conventional finance.

A mortgage is a loan given to enable you to purchase a property for residential, investment or commercial purposes. The loan is secured by the lender against the property you purchase. A mortgage is repaid in monthly installments to the lender, which normally includes a rate of interest/profit and an amount towards the original amount borrowed.

BUYING PROCESS

A No Objection Certificate, commonly abbreviated to NOC, is a type of legal document issued by an organization or individual stating that there are no objections to the points made within the document.

When purchasing property in the UAE an NOC is normally required from the developer giving clear title on the property and showing all the service changes and utilities have been paid. The NOC in this case shows that there is no objection from the developer to another person buying the property

A title deed is the document registered at the Land Department which shows ownership of a plot of land. If you have purchased the property with a mortgage then your name will be included on the deed as owning that property. The original title deed is kept with the bank as security until the mortgage has been fully repaid.

An MOU is a Memorandum of Understanding and is part of the purchasing process. It is an agreement put together by the real estate agent, signed by you and the seller, outlining the timescales and terms and conditions of the property purchase. We will always check the MOU on your behalf before you sign it.

There are certain costs that you will need to pay when purchasing a property in the UAE, these can differ slightly depending on whether you are in Dubai, Abu Dhabi or another Emirate. The table below outlines the general fees that you will need to pay in addition to the cash deposit (or down payment).

Land Department Fee 4%* of the purchase price plus AED 580 (Abu Dhabi 1%-2%)
Agent Fee 2%* of the purchase price
Mortgage Registration Fee 0.25%* of the mortgage borrowed plus AED 290
Bank Arrangement Fee 0 to 1.5%* of loan amount
Trustee Fee AED 4,000*
Valuation Fee AED 2,500 – AED 3,000*
*plus VAT

MORTGAGE BROKER

The benefit of using one of our mortgage brokers is that we are able to offer unbiased expert advice to help you find the best mortgage product for your situation. We will discuss all the available options with you and offer you our opinion on the best one for you, so that you can make an informed decision.

Our mortgage consultants will guide you through the property purchasing process in the UAE and will make getting a mortgage easy.

We also have access to exclusive mortgage products which are not available when you go to the banks directly.

A mortgage broker, otherwise known as a mortgage consultant, is an independent advisor who is able to arrange a loan between you and a bank to fund your property purchase.

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