Mortgage Advisory
Expert guidance navigating UAE property financing for residents and non-residents.
Dubai offers attractive mortgage options for both UAE residents and international investors. With loan-to-value ratios of up to 80% for residents and 60-70% for non-residents, property financing in the UAE provides flexible pathways to ownership. Our advisory service navigates the complexities of UAE banking requirements, documentation, and rate negotiation to secure the most competitive terms for your investment.
The UAE mortgage market has matured significantly, with over a dozen banks offering competitive products tailored to different buyer profiles. Whether you are a salaried professional, self-employed entrepreneur, or an international investor purchasing remotely, there is a financing solution available.
Our role is to demystify the process, present your application in the strongest possible light, and negotiate terms that align with your investment strategy. We work with all major UAE banks and maintain direct relationships with their mortgage divisions.
Key Information
Residents
Up to 80% LTV, competitive rates from 3.99%. UAE residents benefit from the most favourable financing terms available in the market.
Non-Residents
Up to 60-70% LTV, rates from 4.49%. International investors can access mortgage products from major UAE banks with streamlined documentation.
Typical Terms
Loan terms of up to 25 years. Applicants must be aged 21 at origination with a maximum age of 65 at maturity for salaried borrowers.
Documentation
Passport, valid UAE visa, salary certificate or income proof, 6 months of bank statements, and proof of existing liabilities.
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Our Process
Initial Consultation
Understand your requirements and financial profile to identify the most suitable mortgage products across UAE banks.
Bank Pre-Approval
Secure pre-approval from multiple banks to compare rates and terms, ensuring you receive the most competitive offer.
Documentation
Prepare and submit all required documentation on your behalf, managing communication with the bank throughout the process.
Completion
Finalize the mortgage agreement, coordinate with all parties, and complete the property transfer at the Dubai Land Department.
Ready to Explore Your Financing Options?
Schedule a private consultation to discuss mortgage solutions tailored to your investment.