Mortgage Advisors in Dubai
Get expert mortgage advice to secure the best home loan in Dubai. Our mortgage advisors compare leading banks and financing options to help you buy or refinance with confidence.
Expert Mortgage Guidance for Dubai Property Buyers
Our mortgage advisors provide tailored financing advice based on your budget, goals and eligibility. We compare banks, rates and loan structures to help you secure the right mortgage with clarity and ease.
Mortgages made simple
From securing the best rate to structuring a payment plan that fits your lifestyle, our mortgage advisors make financing your home straightforward and stress-free. We work closely with a trusted network of banks and lending partners across the UAE to deliver tailored solutions backed by expert guidance.
Whether you’re a first-time buyer or a seasoned investor, our experienced mortgage advisors help you compare offers, understand eligibility, and complete your mortgage with confidence. As your dedicated broker in the UAE, we ensure every step is handled with efficiency, transparency, and care.
Personalized advice
Whether you're buying a family home or an investment, our mortgage brokers in the UAE take the time to understand your goals.
End-to-end support
From your first consultation to final approval, our dedicated mortgage advisors guide you through every stage of the process.
Network of lenders
We partner with top mortgage service providers in the UAE, giving you access to the best interest rates and flexible terms.
Transparency
Our clients trust us for honest advice, clear communication, and a commitment to securing the best possible outcome.
Expert knowledge
As a leading real estate company in Dubai, our deep understanding of the local market helps you access the right mortgage services.
After-sales support
We offer continued support after your mortgage is secured, including help with payments, refinancing, and future planning.
How Our Mortgage Process Works
We start with a one-on-one consultation to understand your goals, financial situation, and property preferences. This helps us recommend the right mortgage solutions tailored to your needs.
Our mortgage advisors guide you through the pre-approval process, ensuring your documents are in order. Pre-approval strengthens your position when negotiating on a property and helps set a clear budget.
We compare offers from top mortgage service providers and banks in the UAE to secure the most competitive rate and terms for you, whether fixed, variable, or off-plan mortgage options.
Once you've selected a lender, we manage the application and processing, coordinating directly with the bank to ensure everything stays on track.
After final approval, we assist with signing the loan documents and coordinate with all parties to complete the transaction, offering guidance through to property handover.
FREQUENTLY ASKED QUESTIONS
Your mortgage questions, answered
A mortgage is a type of loan used to finance a property purchase. You typically pay a deposit (usually 20%), and the remaining amount is borrowed from a mortgage service provider. You then repay this loan in monthly instalments over 15–30 years, including interest. The property serves as collateral, meaning the lender can repossess it if repayments are not made.
Learn more in our Beginner’s Guide to Getting a Mortgage in Dubai.
Working with a mortgage broker in Dubai can save time, reduce stress, and often result in better loan terms. Here’s why:
Access to multiple lenders
Expert advice on mortgage types and rates
Time-saving application process
Tailored solutions based on your profile
Better negotiating power
Support with paperwork and approvals
Explore the full list in Pros and Cons of Using a Mortgage Broker in Dubai.
Common options include fixed-rate and variable-rate, interest-only, and Islamic mortgages. The right choice depends on your income stability, risk preference, and long-term goals. Our mortgage advisors can help you explore the differences and decide what suits you best.
Lenders in Dubai typically offer loans up to 7x your annual income. Residents can usually borrow up to 80% of the property value, while non-residents are capped at 60%. Our mortgage brokers in the UAE can assess your eligibility and help you understand your financing limits.
You’ll typically need a passport or Emirates ID, proof of income, bank statements, and property-related documents. Some lenders may require additional documentation, especially for non-resident mortgages. Our team will walk you through the full requirements for mortgage services.
Interest rates depend on your credit score, loan term, down payment, loan type, and overall risk profile. Central bank rates and loan-to-value ratios also play a role. As trusted mortgage service providers, we help you compare and secure competitive offers tailored to your situation.
Late or missed payments can result in penalties, damage to your credit score, and ultimately foreclosure. If you anticipate difficulties, contact your lender early to explore refinancing or restructuring options.
Yes, most mortgages in Dubai can be paid off early, although some lenders apply an early settlement fee. Review your loan terms or speak to our mortgage advisors for guidance on early repayment strategies.
Yes, some mortgage services companies in the UAE offer off-plan mortgage options, but they typically require a higher down payment and are subject to stricter eligibility criteria. Financing is usually only given on certain developer’s projects and only once the project reaches a certain construction milestone. Our team can advise you on available options and approved developers and lenders.
On average, securing a mortgage in Dubai takes 5 to 10 working days from application to approval, assuming all documents are in order. However, the timeline may vary based on your financial profile, property type, and lender policies. Our mortgage advisors help you prepare everything in advance for a faster, smoother process.
ENGEL & VÖLKERS Dubai
Meet our Expert Mortgage Advisor
Rosie Patterson
Senior Mortgage Consultant
Golden Mile Galleria 2, Office 21, Mezzanine Floor, Palm Jumeirah