Resources & Guides
Everything you need to know before you borrow
Clear, honest guides to mortgages and property finance in the UAE — no jargon, no sales pitch.
Guide Topics
Start with the basics
How much deposit do I need?
Deposit rules vary for residents, non-residents, and by property value in the UAE. We'll walk you through what applies to your situation.
Ask us about this →Am I eligible for a mortgage?
Income, age, employment type and existing debt all factor into what banks will lend. We'll help you understand where you stand.
Ask us about this →The buying process, step by step
From pre-approval to final handover, here's what the journey typically looks like — and where we step in to help.
Ask us about this →Fixed vs variable rates
Each has its own trade-offs around certainty and flexibility. We'll help you weigh which suits your plans.
Ask us about this →Buying as a non-resident
Overseas buyers have their own set of requirements and lender options. Here's what to expect.
Ask us about this →Costs beyond the deposit
Fees, valuations and other costs to budget for beyond your deposit, so there are no surprises.
Ask us about this →At A Glance
Key numbers to know
Figures are indicative — your situation may differ; ask us for specifics.
Common Questions
Frequently asked questions
It depends on your residency status and the property value, but expect a minimum deposit in the region of 20–25% for residents and higher for non-residents. We'll confirm your exact figure once we know your situation.
Banks look at your income, employment type, age, existing debts and credit history. Both salaried and self-employed applicants can qualify — the requirements just differ slightly.
Yes. A number of UAE banks lend to overseas buyers, though terms, required documents and deposit requirements vary. We'll match you to the lenders who work for your situation.
Pre-approval is often possible within a few days once we have your documents. The full journey to handover depends on the property and the bank, but we'll keep you updated at every stage.
Typically your passport, proof of income, bank statements and, for residents, your Emirates ID and visa. We'll give you a clear checklist once we know your situation.
No. Our advice is free — we're paid by the bank once your mortgage completes, so there's no cost to you.
We work with more than 20 leading banks across the UAE and compare their offers for every client, so you're not limited to a single lender's rates.
Can't find your answer? A quick WhatsApp message is often the fastest way to get a clear one.
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Ready to take the next step?
Talk to us today and we'll start comparing the market on your behalf — no obligation, no fees for our advice.