Based on 
Reviews
Licensed UAE mortgage broker · since 2016
Know where you stand before the bank decides
Your case is handled by an expert mortgage specialist.
Impossible is NOT an outcome!
Ask what worries you. We answer it first.
Pick a question. See our answer - then how it usually compares with a bank, an app or a typical broker.
The Lending Tree
Initial feedback on the first call.
Once we understand your profile, we’ll tell you how your case looks. Bank approval can then take anywhere from a few hours to 7 days, depending on the case and lender.
How it usually goes elsewhere
Your BankWeeks of back and forth are common.
Digital PlatformsA quick form, then a slow follow-up.
Other BrokersDepends on who picks up.
The Lending Tree
Immediately, if you call.
By message, a real mortgage specialist typically responds within 30 minutes.
How it usually goes elsewhere
Your BankBranch hours and ticket numbers.
Digital PlatformsA chatbot first.
Other BrokersA callback when they can.
The Lending Tree
We structure your case.
We structure and present your case the way a bank’s credit team needs to see it - and explain the logic behind every step and every number.
How it usually goes elsewhere
Your BankIt fits the bank's box, or it is declined.
Digital PlatformsUnusual cases are often screened out automatically.
Other BrokersUsually submitted as is.
The Lending Tree
20+ banks, not one.
Your file is matched across our bank panel - not limited to one lender or one rate card. Found a better rate? Bring it to us. We’ll beat the deal.
How it usually goes elsewhere
Your BankOne bank, one rate card.
Digital PlatformsListed offers, ranked by an algorithm.
Other BrokersThe few banks they know.
The Lending Tree
A real specialist.
A mortgage specialist, not a call centre. Many of our specialists are ex-bankers with hands-on UAE mortgage experience.
How it usually goes elsewhere
Your BankA bank officer, selling one bank's products.
Digital PlatformsAn app first, then a call centre.
Other BrokersOften whoever is available - sometimes a junior adviser.
Comparisons reflect common market experience, not any named firm. Actual experience may vary by case and provider.
Talk to a Specialist
20+ banks. One place to compare them.
We track current rates, lending policies and credit appetite across 20+ partner banks, so we know which lenders best fit your profile.
& many more
Bank names and logos belong to their respective owners and are shown only to identify lenders we work with. No endorsement or affiliation is implied.
Whatever your situation, there is a mortgage for it.
One specialist. Access to 20+ partner banks. One place to manage your mortgage.
Home Purchase
Your first home or your next one.
Non-Resident
For clients living outside the UAE.
Self-Employed
Business owners and freelancers.
Refinance and Buyout
Move your mortgage to a better deal.
Equity Release
Unlock cash from a property you own.
UAE and GCC Nationals
Finance built around nationals.
Off-Plan and Handover
Finance before or at handover.
Islamic/Shariah Home Finance
Shariah-compliant home finance.
Commercial Mortgages
Offices, retail and warehouses.
Plot and Land Loans
Including construction finance.
Find a Better Rate. We'll beat it.
Share a written like-for-like mortgage offer and we’ll compare it across our bank panel to see whether we can secure a better overall deal. Read the terms
How your file actually moves
Three stages. You are told which one you are in, and what happens next.
Work out what the banks will actually lend you
Three key limits usually shape how much you can borrow: loan-to-value, debt burden ratio and income multiples. We then factor in the lender’s policy for your profile and property.
Before you spend a dirhamTake your file to the lenders it fits
We know the rates, policies and credit appetite across our bank panel - so we place your case where it has the strongest chance of approval.
Avoid unnecessary applicationsWe take it through to the keys
Valuation, offer letter, trustee appointment and transfer - your specialist manages the sequence and tells you exactly what is needed from you, and when.
Through to Completion
The hardest part of a UAE mortgage was never the money. It was not knowing which bank would say yes until six weeks of paperwork had already gone in.
Sometimes the honest answer is not the one you wanted. We would still rather you had it in week one than in week six.
Your own specialist on every file.
The specialist you speak to owns your case from start to finish - and you have their direct number.
Pankit Saluja
Head of Mortgages
Shivam Dubey
Associate Partner
Payal Agrawal
Sales Director
Heela Ahmad
Sales Manager
And the rest of the team who will be working on your file.
JS
Abhijith
Abhishek
Ahmed
Anjali
Azeem
Bhagya
Dipsikha
Forum
Imad
Issa
Jayesh
Jolly
Joy
Karan
Mahek
Megha
Nikhil
Nitika
Pragya
Sanj
Shaam
Shaik
Sree
Sundar
Syed
Vadivelan
Vilashni
Wael
Warren
Yasmin
Clients who agreed to say it on camera.
Not quote cards. Real people who used us, filmed in their own homes and offices across the UAE, saying what actually happened. No competitor in this market has anything like it.
What clients say when it is over.
Had a great experience working with Sidhu as the mortgage advisor. The entire process was smooth, well managed, and professionally handled from start to finish. He made sure we stayed aligned with the promised timeline and navigated every step efficiently.
I was already finalizing my property when I was introduced to Ahmed Coush. From that moment, the entire journey became a seamless, hassle-free experience leading all the way to the final transfer. He efficiently managed every critical stage, from identifying the best bank rates and securing pre-approval to coordinating the valuation.
Her in depth knowledge on the mortgage process from application till approval and disbursement has made my life easy. She is a great customer service person as well since she kept on coordinating very closely until the job is done.
I would like to thank Karan for his outstanding support with my UAE home mortgage. He was very patient, responsive, and always willing to help with all my questions. His guidance made the entire process easy and transparent.
AED 200M+
Disbursed every month. Not revenue: the money that actually reaches our clients’ sellers.
Ready when you are.
Sixty seconds, and an expert mortgage specialist calls you back.
Watch your file move, without ringing anyone.
Every client gets a login. You see which stage your case is at, what the bank has asked for, and what we are waiting on. No guessing between phone calls.
On the App Store and Google Play. We are the only UAE mortgage broker with native apps on both.
Where your case is
- SubmittedYour file is with us
- Documents receivedEverything we asked for is in
- Credit checkAECB pulled and reviewed
- With the bankSent to the lender that fits
- Pre-approvalThe bank has said yes in principle
- ValuationThe property is being valued
- Offer issuedFinal offer letter in hand
- DisbursedFunds released, keys next
Your file
- Submitted
- Documents received
- Credit check
- With the bank
- Pre-approval
Work it out yourself first.
Each one shows its working, and where every rule and fee it uses comes from.
Eligibility/
How much you could borrow under the debt burden limit and the income multiple, tested at a rate you can change.
Open the calculator →02Monthly Payment
Repayments across rate and term, with the full amortisation.
Open the calculator →03Buyout
Whether moving your mortgage to a new bank pays, after every cost of moving.
Open the calculator →Read before you commit.
The parts of a UAE mortgage that cost people money, in the order you meet them.
Sixty seconds now, a straight answer back.
Tell us what you are trying to do and we will call you back. No documents needed for the first conversation.