We will reveal the secrets of UAE banks We will help you choose the bank that suits your needs and assist you in integrating into the financial ecosystem without unnecessary complications.
We will structure your assets We will properly arrange your real estate to make it work for your capital and provide access to credit facilities.
We will get your loan approved Even after previous refusals, we will open up financing opportunities for you on the best terms.
We will reveal the secrets of UAE banks We will help you choose the bank that suits your needs and assist you in integrating into the financial ecosystem without unnecessary complications.
We will structure your assets We will properly arrange your real estate to make it work for your capital and provide access to credit facilities.
We will get your loan approved Even after previous refusals, we will open up financing opportunities for you on the best terms.
We will reveal the secrets of UAE banks We will help you choose the bank that suits your needs and assist you in integrating into the financial ecosystem without unnecessary complications.
We will structure your assets We will properly arrange your real estate to make it work for your capital and provide access to credit facilities.
We will get your loan approved Even after previous refusals, we will open up financing opportunities for you on the best terms.
About Us
We are recognized leaders in consulting and providing services in the UAE mortgage market. Our team has over 20 years of experience in this field. We constantly monitor changes in regulatory requirements and banking standards, ensuring that our clients are always informed and prepared for any changes. You can be confident – you will get your mortgage.
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About Us
Lending services
Mortgage for UAE residents
We offer mortgages for UAE residents with low rates and flexible terms. Make your dream of owning your own home come true with us!
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Mortgage for non-residents of the UAE
We will help you purchase a property in Dubai with minimal formalities and maximum support.
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Lending against residential property
Receive large sums of money on favorable terms using your real estate as collateral.
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Commercial property lending
Earn significant amounts of money to develop your business using commercial real estate as collateral.
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Mortgage for complex properties
We assist in obtaining credit financing secured by various types of commercial real estate, including office premises, shopping malls, industrial warehouses and residential complexes.
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Refinancing your current mortgage
The UAE real estate market is showing steady price growth. This allows you to revalue your property and get more money on the same property.
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Frequently asked questions
In the FAQ section you will find answers to key questions, as well as a link to the company page for more information.
Yes, some banks offer mortgages to non-UAE residents. However, interest rates for non-residents may be higher and the loan term may be shorter.
It all depends on the bank, but most banks charge a penalty for early repayment of a mortgage loan. The penalty amount is set at 0.1% of the remaining amount, but cannot exceed Dh 10,000.
The bank hires an accredited, independent third-party valuation company, which determines the property’s market value. If the appraised value differs from the price stated in the sales agreement, the bank typically bases the mortgage calculation on the lower of the two amounts.
You can view all applicable fees using our mortgage calculator. Simply click on ‘mandatory payments,’ and the system will generate a detailed breakdown of all costs related to property purchase.
Lending against existing property (Equity Release mortgage scheme) is possible even for non-residents. This scheme requires a minimum of documents and allows you to release up to 65% of the property value.
Yes, if the bonuses and housing compensation are guaranteed by the employer and are indicated in the salary certificate or employment contract. Even if the bonus is piecework or performance-based, it can also be taken into account in some cases.
Before applying for a mortgage in the UAE, all banks check the borrower’s credit history. Credit history checks are carried out by the Al Etihad Credit Bureau (AECB)
Mortgage Calculator
Our mortgage calculator will help you quickly and easily calculate your monthly loan payments, total interest cost and repayment period.
Optimize Your Financial Planning
Use the calculator to compare different loan options and make an informed decision aligned with your financial goals and capabilities. Use this tool to help you plan your budget and choose the best loan terms for your needs.
Property Price
AED
Down Payment
200,000
AED
Typically at least 20%. By law, for properties over AED 5,000,000, the minimum down payment is 30%.
Loan Term
5
years
Interest Rate
%
The interest rate is the rate at which you borrow money and it affects your monthly payments. Interest rates vary, but currently range from 2.75% to 6.99%
Monthly Payment
14,375
AED
*Estimated monthly payment based on loan amount in 800,000 with a fixed interest rate 3,00% for the entire term
Mortgage Summary
Required Down Payment
879,430 AED
Down Payment Amount
200,000 AED
20% From the value of the property
Total Purchase Costs
79,340 AED
One-off expenses and fees payable when purchasing property in the UA
Costs and Fees Breakdown
Dubai Land Department (DLD)
40,580 AED
4% of the property value + 580 AED administrative fee
Mortgage Registration Fee
4,200 AED
4,000 AED for properties over 500,000 AED + 5% VAT
Mortgage Registration
2,010 AED
0.25% of the loan amount + 10 AED administrative fee
Real Estate Agency Commission
21,000 AED
Typically 2% of the property value + 5% VAT
Bank Processing Fee
8,400 AED
Typically 2% of the property value + 5% VAT
Valuation Fee
3,150 AED
Ranges from 2,500 to 3,000 AED + 5% VAT
Add DLD Fee and Broker Fee to the Total Mortgage Amount
Some lenders allow certain costs and fees to be included in your monthly payment, thus reducing the total amount required upfront.
14,375
AED
monthly payment
*Estimated monthly payment based on a loan amount of 800,000 AED with a fixed 3,00% interest rate for the entire loan term
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