What this engagement covers
UAE mortgage products vary widely between banks, customer segments and underlying property type. A residential mortgage for a salaried resident, a buy-to-let mortgage for a self-employed investor and a non-resident mortgage for an overseas buyer are three different conversations with three different sets of underwriting standards.
We help clients understand which products they are realistically eligible for, structure the supporting documentation and run the application through to drawdown.
What we deliver
- Residential mortgages (primary and secondary)
- Buy-to-let and investment mortgages
- Non-resident financing arrangements
- Refinancing and equity release
- Off-plan property financing
- Pre-approval and indicative term sheets
- Document preparation and bank submission
- Liaison with developers, brokers and legal teams
How we work
- 01
Eligibility and goals
We discuss the property type, intended use, residency status, income profile and timing, then map this against current bank appetite.
- 02
Indicative terms
We approach a short list of banks for indicative offers — loan-to-value, rate, fees and conditions — so you can compare before formally applying.
- 03
Application and underwriting
We prepare the full document pack to the underwriting bank's specifications and act as the point of contact through the credit decision.
- 04
Drawdown
We coordinate the closing steps with the seller, developer, broker and bank, through to disbursement and registration.
Important to know
We are an independent consultancy and not a regulated mortgage broker. We do not earn commission from the bank for a placed loan; our fee is paid by the client and our advice is based on what fits the client's circumstances best.