Yes ✅. Our consultancy is 100% free for clients. We are paid by the banks when your mortgage is approved, so you don’t pay us any fees. This means you get unbiased advice and the best deal available, at no extra cost.

Absolutely. Both UAE residents and non-residents can apply for mortgages. Most banks require a minimum monthly income (AED 15k) and a good credit history. Non-residents may face lower loan-to-value (LTV) limits, but financing options are still available.

If you provide complete documents, pre-approval usually takes 3–5 working days. Some banks may issue it faster, while others can take up to 2 weeks. Having your paperwork ready speeds things up.

Bank processing fee (around 0.5–1% of loan)

Valuation fee (AED 2,500–3,500 approx.)

Life & property insurance (Takaful/insurance)

Mortgage registration fee: 0.25% of the loan amount

Land Department transfer & registration fees (depends on the Emirate of registration) for example for Dubai Land Department it’s 4% of the property value
We always calculate the full cost upfront so there are no surprises.

Yes, non-residents are very welcome 🙌. Most banks allow non-residents to apply, though the loan-to-value (LTV) ratio is usually lower (around 50–60%) compared to residents. We work with multiple banks to secure the most suitable options for overseas buyers.

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