Your One-Stop Destination for Home & Property Finance
As one of the prime Mortgage facilitator, we offer tailored solutions to Home buyers, Investors and Self-employed business owners for building new homes, renovating it or acquiring real estate properties. Our expert guidance ensures that our clients get the most competitive interest rates & faster loan approvals by the banks.
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About Us
Mortgage Solutions Provider Backed by Expertise
We combine deep industry knowledge with a client-first approach to deliver mortgage solutions that truly work for you. Whether you're a first-time buyer, exploring buyout of an existing mortgage, or investing in property, our team with its years of hands-on experience will guide you in every step of the journey. With us, you're not just securing a mortgage, you're gaining a trusted partner committed to fulfilling your dreams and aspirations.
Where Expertise Converts Dreams into Reality
Tailored Mortgage Solutions for your needs
We understand that every client has unique financial goals. From first-time homebuyers to seasoned investors, we craft personalized mortgage strategies to ensure accomplishment of your objectives and peace of mind.
Services
More Than Mortgages — A Full Suite of Property Finance Services
01. Home Purchase Loans
For many of us, buying a home is one of the most important milestones in life, and we make sure it’s convenient and affordable. Our loan advisors work closely with you to assess your eligibility and customize a repayment plan that suits your income and future financial goals.
02. Commercial Property Mortgages
Commercial property mortgages are tailored for those looking to purchase office spaces, warehouses, retail shops, or other business-use properties. Whether you are a business owner seeking to secure a permanent location or an investor aiming to generate rental income, these loans offer a pathway to long-term growth and stability.
They provide an opportunity to build assets while eliminating the hassles of leasing commercial space.
03. Non-Resident Mortgages
If you are a resident of a country other than UAE and looking to invest in the local property market, these mortgage options are designed specifically for you.
These loans allow international buyers to finance their real estate purchases, though they typically come with stringent eligibility criteria and a loan-to-value (LTV) ratio usually between 50% to 60% of the property value.
04. Buyout Mortgages
If you already have a home loan but are exploring if you could get a better deal, a mortgage transfer might be the right move.
This process allows you to shift your existing mortgage from your current bank to another lender offering more favorable terms—such as lower interest rates, better repayment options, or some other added benefits.
Understanding your Eligibility
We help you identify the best mortgage options by understanding your financial profile and requirements and appropriately guiding you through every step with customized advice.
Eligibility Calculator
Get an Accurate Assessment of Your Eligibility in Just a Few Simple Steps
News & Articles
Need More Information
answers to common Queries
What is a mortgage?
A mortgage is a type of loan used to finance the purchase of a property. The borrower agrees to repay the loan in instalments over a set period, typically 5 to 25 years, with the property acting as collateral.
How does a mortgage work?
When you take out a mortgage, the lender provides the funds to purchase a property, and you repay the loan over time with interest. If you fail to repay the loan, the lender can take ownership of the property through foreclosure.
How do I qualify for a mortgage?
To qualify, lenders generally assess:
- Credit score: Your creditworthiness plays a big role in mortgage approval.
- Income: Lenders will evaluate your income to determine if you can afford the monthly payments.
- Debt-Burden ratio (DBR): The ratio of your debt payments to your income.
- Down payment: A percentage of the home’s purchase price that you pay upfront (usually 20%).
Employment history: Stability in your job and income stream helps lenders assess your ability to repay.
What is refinancing?
What is a foreclosure?
What are closing costs?
Closing costs are the fees and expenses paid at the closing of the real estate transaction, including things like:
Below is the breakdown of closing costs in the UAE:
- Dubai Land Department (DLD) Fee – 4% of property value + AED 580 admin fee
- Oqood Registration Fee (off-plan only) – AED 1,050
- Real Estate Agent Commission – 2% of property value (plus 5% VAT)
- Bank Mortgage Arrangement Fee – Usually 1% of loan amount (plus 5% VAT)
- Valuation Fee AED 2,500 – AED 3,500 (plus 5% VAT)
- Mortgage Registration Fee (DLD) – 0.25% of loan amount + AED 290
- Trustee Office Fee – AED 4,000 (or AED 5,000 if property > AED 500K)
- Property Insurance (Takaful) Varies – required by the bank
- Life Insurance (Mortgage Takaful) Varies – mandatory for most banks
- Title Deed Issuance Fee – AED 250
How can I lower my mortgage interest rate?
You can lower your mortgage rate by:
- Shopping around and comparing offers from different lenders.
- Paying points upfront (a lump sum to lower your rate).
- Improving your credit score.
- Opting for a larger down payment.
