First-Time Buyer Loans
Deposit planning, LTV guidance and down-payment structuring for new buyers and families.
Home Loans in the UAE
Your first home or your forever home — pre-approval in days, best-fit rates across 20+ banks, hand-held to handover.
Up to 80% LTV
Finance Available
Pre-Approval in Days
First Home · Family Home
Home Ownership Without the Maze
Twenty banks, twenty rulebooks. We translate them into one clear path — your budget, your timeline, your keys.
Pre-Approval in DaysReady & Off-Plan CoverRate-Buydown Negotiation
Ready Property Finance
Villa, apartment and townhouse purchases with valuation and transfer handled for you.
Off-Plan & Under-Construction
Approved-project financing with milestone-linked disbursements and developer coordination.
Refinance & Equity Release
Cut your rate or unlock equity from an owned home at mortgage — not personal-loan — pricing.
Non-Resident Home Loans
Overseas buyers financed through the few UAE banks that genuinely do non-resident lending.
Pre-Approval in Days
A bank-backed budget letter that makes sellers and agents take your offer seriously.
Roadmap to Keys
Our Home Loan Process
Five calm steps between browsing listings and moving in.
- 1
Eligibility & Budget
Salary, liabilities and AECB review fixes your true budget before you fall in love with a villa.
- 2
Pre-Approval
Written bank pre-approval with amount, rate and validity — usually within days.
- 3
Property & Valuation
MOU safeguards reviewed, independent valuation instructed and shortfalls flagged early.
- 4
Final Offer & Insurance
Offer letter terms checked line by line; life and property cover arranged where required.
- 5
Transfer & Disbursement
DLD transfer, manager's cheques and disbursement coordinated to the hour.
FAQ
Common Questions on Home Loan
How much deposit do I need?
Expats typically 20–25% for ready homes under AED 5M; we confirm exact LTV per bank before you commit.
Can I buy off-plan with a loan?
Yes, for bank-approved projects — disbursements follow construction milestones.
What does pre-approval cost?
Our guidance is free; bank and valuation charges are quoted in writing upfront.
I already have a mortgage — can I switch?
Yes, balance transfers often cut 0.5–1.5% off your rate; we handle the buyout mechanics.
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Confidential · Compliant · Shariah-Conscious
Find Your Home Budget
One call sets your real budget and pre-approval route — before you pay any booking deposit.