We shop multiple banks for your profile, property type, residency status, and income source.
MORTGAGE SUPPORT · TALK TO A BROKER
A mortgage broker, not just a calculator.
A calculator gives you an estimate. A broker helps turn your profile into an actual bank pre-approval: lender fit, document checklist, application follow-up, valuation coordination, and final offer support. For buyers, this help is free; the mortgage broker is paid by the bank or lender on completion under the standard UAE mortgage-broker model.
WHY TALK TO A BROKER
The useful part starts after the estimate.
You get a clear document checklist before the application starts, reducing avoidable back-and-forth.
Different banks treat non-resident, self-employed, and company-owner cases differently.
A broker keeps the application moving from first review to bank pre-approval and final offer.
PROCESS · 6 STEPS
From first call to disbursement.
01
Free consultation and buyer profile review
02
Document checklist and pre-approval application
03
Rate and lender comparison across suitable banks
04
Property valuation once a purchase target is ready
05
Final offer letter and bank conditions review
06
DLD transfer coordination and loan disbursement
ELIGIBILITY · REQUIREMENTS
What banks usually check.
UAE residents can borrow up to 80% LTV on properties under AED 5M and up to 70% above it. Non-residents are capped lower, at 50% on a first property and 40% on a second.
Banks assess income, existing liabilities, and total debt burden under UAE Central Bank rules before issuing approval.
Expect salary or income evidence, bank statements, identity and residency documents where applicable, and a property valuation. Self-employed applicants typically need 24 months of audited statements.
WANT TO ESTIMATE FIRST?
Try our mortgage calculator →Run the numbers before speaking to a broker.
FAQ · MORTGAGE SUPPORT
Common questions before you apply.
Is this service free?
Yes for buyers. Mortgage-broker help is paid by the bank or lender on completion under the standard UAE mortgage-broker model, so you do not pay a separate broker fee for this introduction.Can non-residents get a UAE mortgage?
Yes. Most UAE banks lend to non-residents, subject to lower LTV caps and standard income and affordability checks. The exact route depends on your residency, income source, documents, and the property.How long does pre-approval take?
Timing depends on the bank, your profile, and whether the documents are complete. The broker will confirm the expected path after reviewing your residency status, income evidence, bank statements, and property details.What documents do I need?
Banks usually ask for identity and residency documents where applicable, salary or income evidence, recent bank statements, and property details or valuation. Self-employed applicants may need audited statements, as noted on our mortgage calculator page.
INTAKE · BROKER REVIEW
Send a few details. A broker can tell you what route is realistic.
By submitting this form, you consent to UAE-Prop sharing your brief with a mortgage adviser for follow-up. This page is not financial advice, a loan approval, or a rate quote; lending decisions are made by banks and lenders after assessment. Privacy requests: clients@uae-prop.com.