UAERemote and in person

A mortgage or loan in the UAE

Help getting a mortgage from a UAE bank on a completed home. The support is free — you pay only the bank. If you have no UAE credit history yet, they help you build it for a future application.

Price

On request

Best for

Mortgage and lending

Timeline

2–6 weeks

Tax

—

Format

Remote and in person

What the service includes

Scope: a tick means included in the price, a cross means billed separately
	Support is free — the provider takes no commission from the borrower
	Choosing the bank and preparing the application
	Help building credit history, if you don't have any yet
	Support through to approval
	The deposit — from 20% of the property price— billed separately
	Bank fees and insurance— billed separately

What we need from you

1Employment: at least 6 months with a UAE company and a salary from AED 15,000 a month; the company must genuinely operate — an office, staff, turnover on the account
2Or your own UAE business: at least 2 years old, a real office with staff, an account statement (the bank may check)
3A UAE residence visa (Emirates ID)

Frequently asked questions

What are the mortgage terms in the UAE?

Per the provider, rates start from 3.89% a year, the deposit is from 20% of the price and the term runs up to 25 years. The exact terms depend on the bank and your profile.

What kind of property can be mortgaged?

Only completed (resale) property. In some cases a mortgage can be obtained for the final payment on a property being handed over.

How much will be approved?

Banks cap the amount at seven times the borrower's annual income. On a salary of AED 15,000 that's about AED 2.52m. The bank also counts mandatory monthly outgoings — payments on other loans reduce the amount available.

How many mortgages can I take?

There's no limit on the number — what matters is that the income covers the payments on all of them.

Terms

The terms the expert works on

Guarantees the outcome by contract

Writes the outcome and the timeline for every service — including opening a bank account — into the contract, and answers for them.

Bills in stages

You do not pay the whole sum up front: invoices come in instalments as each stage closes.

Fixes the price in the contract

The cost is locked in and does not grow as the work goes on. Prices on the site are indicative — the final figure comes after your case is reviewed.

Charges no hidden fees

No penalties or surcharges beyond the contract. No Pactors markup either: you pay the expert their own price.

Works with lawyers of 8+ years in UAE law

The licence for your activity is matched, and the requirements worked through, by qualified lawyers.

Thinks a step ahead

Picks the zone and the licence so that a year from now you do not hit a limit and have to redo the whole thing.

Deals with authorities directly

Handles government bodies, free zones and UAE banks personally — no chain of subcontractors.

Ready to start?

Send an enquiry — we will check your case and help you arrange “A mortgage or loan in the UAE” in UAE. No markup on top.