Services
Mortgage Advisory and Brokerage
Help preparing a mortgage application for a Dubai purchase, securing bank pre-approval, and comparing the offers UAE banks actually issue.
We help UAE residents, nationals, and non-resident international buyers arrange home financing for ready properties in Dubai. Instead of applying to one bank at a time, we review your income and existing liabilities once and compare written terms across major UAE conventional and Islamic (Murabaha and Ijara) lenders.
Under Central Bank of the UAE (CBUAE) rules, first-time expat buyers can borrow up to 80% LTV (20% down payment) on ready homes up to AED 5,000,000, UAE nationals can borrow up to 85% LTV, and non-resident buyers typically secure 50% to 65% LTV. Total monthly debt repayments—including 5% of active credit card limits—must stay within the 50% Debt Burden Ratio (DBR) limit.
Because DLD transfer fees (4%), mortgage registration fees (0.25% of the loan + AED 290), trustee fees (AED 4,200), and agency fees must be paid upfront in cash, we map out your exact cash-to-close numbers before you sign RERA Form F (MoU) or pay a 10% security deposit.
What's included
- Formal bank mortgage pre-approval in 3–5 working days before you make an offer
- Side-by-side comparison of fixed rates (1–5 years) and 3-month EIBOR revert margins
- Conventional and Sharia-compliant (Ijara and Murabaha) options across UAE banks
- Income and 50% Debt Burden Ratio (DBR) check for salaried and self-employed buyers
- Non-resident mortgage applications for overseas buyers without a UAE Emirates ID
- Bank property valuation, Final Offer Letter (FOL), and refinancing review
How it works
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1
Budget & DBR check
We review your income, existing loans, and credit card limits against the UAE Central Bank's 50% Debt Burden Ratio rule to confirm how much you can borrow and what cash is required at transfer.
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2
Document preparation & bank pre-approval
We package your salary slips, bank statements, or company financials and obtain a written Pre-Approval Letter (valid for 60 to 90 days) so your property budget is backed by a bank.
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3
Property valuation & Final Offer Letter
Once you sign Form F (MoU) on a unit, the bank's independent valuator inspects the property and the bank issues its binding Final Offer Letter (FOL).
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4
Clearance & DLD Trustee disbursal
We coordinate with the seller's bank (if mortgaged), the developer NOC desk, and your bank's settlement officer to register the mortgage (0.25% DLD fee) and transfer the Title Deed.
Frequently asked questions
Yes. Several UAE banks lend to non-resident buyers living abroad without requiring a UAE visa or Emirates ID. Non-residents can typically borrow 50% to 65% of the property value on approved freehold projects, with loan terms up to 25 years.
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