A Wide Range of UAE Mortgage Options
Different Options For Different Needs
Mastery
20+ years
Mortgage Experience within UAE banks
3000+ Clients
UAE nationals, Expats, and Non-residents
3+ Billion AED
of successfully facilitated mortgages
Explore Our Mortgage Options
Residential
Purchasing a home has never been easier. Whether this is your first home, second home, vacation home or rental property. This is the option for you.
Commercial Real Estate
This option is designed for businesses and investors looking to expand their real estate holdings and generate income from commercial properties.
You can leverage this option to finance (ie. Offices, Buildings, warehouses, apartment complexes, etc..).
Construction Finance
Decided to build your own home and need financing?
Then this option is for you. A construction mortgage can provide incremental financing during the construction phase as the work progresses.
Usually, this mortgage only requires payment of interest during the construction period.
Mortgage Refinance
Are you looking to lower your payment? Pull out some Cash? Pay your home off faster? Negotiating a better rate? Renovate your home? Then this option is ideal for you.
Speak to one of our mortgage experts to explore different options and show you how we can make your mortgage work for you.
Bulk Deal / Multiple Units
Using this option, you can purchase multiple units under the same mortgage for investment purposes.
Perfect for experienced real estate investors looking to leverage their investment and find the best mortgage terms prioritizing the highest returns.
Land Financing
This option is specifically designed for individuals looking to purchase land for various purposes, such as building their ideal home or investment.
This type of mortgage focuses on financing the acquisition of the land itself, and it may have different terms and requirements compared to traditional home mortgages.
Islamic Finance
An Islamic finance mortgage is a financial arrangement compliant with Islamic law (Sharia).
It can help you purchase homes without paying or receiving any interest, which is prohibited in Islamic finance. Instead, Islamic mortgages use alternative structures like Musharakah (partnership) or Ijara (lease) to facilitate home purchases while adhering to Islamic principles.
Handover Payment
Purchased an off-plan property, and now it’s time for the handover, with the developer requesting the final payment?
Then this is the option you’re looking for. We will assist you in choosing the ideal solution to finance your Handover payment.
Against Rental Income / Buildings
A Financing Against Rental Income mortgage is a type of mortgage that allows individuals or investors to use the rental income from a property, such as a residential or commercial rental property, as the primary source of repayment for the mortgage.
Also the bank will consider the property’s rental potential to cover the mortgage payments when approving your loan. So it’s a very popular choice among real estate investors who own or are looking to finance an income-generating property.
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Non-Resident Financing
This is a home loan designed for individuals who do not reside in the country where they are buying a property.
It allows non-residents to purchase real estate in the UAE, typically with different terms and requirements compared to mortgages available to residents.
Explore Our Mortgage Options
Residential
Purchasing a home has never been easier. Whether this is your first home, second home, vacation home or rental property. This is the option for you.
Commercial Real Estate
This option is designed for businesses and investors looking to expand their real estate holdings and generate income from commercial properties.
You can leverage this option to finance (ie. Offices, Buildings, warehouses, apartment complexes, etc..).
Construction Finance
Decided to build your own home and need financing?
Then this option is for you. A construction mortgage can provide incremental financing during the construction phase as the work progresses.
Usually, this mortgage only requires payment of interest during the construction period.
Mortgage Refinance
Are you looking to lower your payment? Pull out some Cash? Pay your home off faster? Negotiating a better rate? Renovate your home? Then this option is ideal for you.
Speak to one of our mortgage experts to explore different options and show you how we can make your mortgage work for you.
Bulk Deal / Multiple Units
Using this option, you can purchase multiple units under the same mortgage for investment purposes.
Perfect for experienced real estate investors looking to leverage their investment and find the best mortgage terms prioritizing the highest returns.
Land Financing
This option is specifically designed for individuals looking to purchase land for various purposes, such as building their ideal home or investment.
This type of mortgage focuses on financing the acquisition of the land itself, and it may have different terms and requirements compared to traditional home mortgages.
Islamic Finance
An Islamic finance mortgage is a financial arrangement compliant with Islamic law (Sharia).
It can help you purchase homes without paying or receiving any interest, which is prohibited in Islamic finance. Instead, Islamic mortgages use alternative structures like Musharakah (partnership) or Ijara (lease) to facilitate home purchases while adhering to Islamic principles.
Handover Payment
Purchased an off-plan property, and now it’s time for the handover, with the developer requesting the final payment?
Then this is the option you’re looking for. We will assist you in choosing the ideal solution to finance your Handover payment.
Against Rental Income / Buildings
A Financing Against Rental Income mortgage is a type of mortgage that allows individuals or investors to use the rental income from a property, such as a residential or commercial rental property, as the primary source of repayment for the mortgage.
Also the bank will consider the property’s rental potential to cover the mortgage payments when approving your loan. So it’s a very popular choice among real estate investors who own or are looking to finance an income-generating property.
Non-Resident Financing
This is a home loan designed for individuals who do not reside in the country where they are buying a property.
It allows non-residents to purchase real estate in the UAE, typically with different terms and requirements compared to mortgages available to residents.
How it Works?
1. LOANS & HOMES Consultation
Get in touch with us to understand more about your goals and assess your financial situation together
2. Proposal
We will scan the market and propose the best 3 options from all the UAE banks that best fits your needs and long term goals with our recommendation of course.
3. Pre Approval
When we decide on the best option, we’ll wrap up your pre-approval with your chosen bank, while you carry on with your daily life without any hassle.
4. Property Hunt
Once pre-approved, team up with an experienced real estate agent who understands your vision. They’ll help you explore properties that align with your goals.
5. Property Purchase Offer
When you find a home you love, work with your agent to craft and negotiate an offer that aligns with your goals. Agree with the seller on the sale terms and finalize your MOU. Remember that negotiating the price is always a good idea.
6. Finalizing Your Mortgage
You can now relax and entrust us with what we excel at. We will handle the last details with your selected bank, complete the valuation, secure the final approval, and work with the bank to get your Final Offer Letter prepared under the most favorable terms.
7. Ownership Transfer
Here comes the joyful moment when we head together to complete the property ownership transfer formalities at the Land Department/Trustee Office, this step completes your official ownership of your new house.
8. Housewarming Party
Congratulations! It’s time to celebrate and gather your friends and loved ones to share the joy of your new home to celebrate new beginnings and cherished moments together – don’t forget to invite us 😉
