Mortgages · Dubai
Complex mortgages are my specialty
For the past eighteen months most of my deals have been resale mortgages. I bought my own apartment with a mortgage, so I know the process first-hand. I have closed more than 20 mortgage deals. I work with every bank in the UAE alongside trusted mortgage broker partners and stay with each case until approval.
Scenarios
What I help with
- 01Mortgage buyoutMove your mortgage to another bank, or buy a property the seller still has a mortgage on
- 02Final 20/80, 40/60 paymentFinance the final payment to the developer at handover
- 03Instalments and penalties → NOCThe buyer's mortgage clears the developer balance and penalties so the NOC can be issued
- 04Non-residentsTerms for non-residents, and how a UAE job changes them
- 05Equity releaseBorrow against your property, even if it is already mortgaged
Mortgage navigator
Turned down by a bank? It is not the end
Six short questions. At the end you will see the scenario that fits, an indicative loan-to-value and payment, and a list of documents. I will then send you a fuller answer myself.
Step 1 of 6
Your status in the UAE
Calculators
Run the numbers
01
How much can I borrow
Verifiable gross income
Banks count 5% of the limit as a monthly payment, even if the card is unused
Monthly total: car, personal, other mortgages
The rate is indicative; you can change it.
Maximum loan
3 691 821 AED
- Indicative property price
- 4 614 776 AED
- Loan-to-value (LTV)
- 80%
- Tenor
- 25 years
- Payment
- 20 000 AED per month
This is an estimate. Final terms are set by the bank after reviewing your documents.
Talk it through02
Payment and upfront costs
standard rules: 80%
The rate is indicative; you can change it.
Monthly payment
8 668 AED
- Loan amount
- 1 600 000 AED
- Cash needed upfront
- 550 790 AED
Breakdown
- Down payment
- 400 000 AED
- DLD fee, 4% of priceDLD lists 2% seller + 2% buyer; the contract decides who pays. To be safe, this estimate puts all 4% on the buyer
- 80 000 AED
- DLD fees: title deed etc.AED 250 title deed + 250 (villas and apartments) + 10 + 10, per DLD
- 520 AED
- Mortgage registration, 0.25% + 270
- 4 270 AED
- Trustee office
- 4 000 AED
- VAT on trustee fee
- 200 AED
- ValuationUsually AED 2 500–3 500
- 3 000 AED
- Bank arrangement feeUsually 0–1% of the loan
- 16 000 AED
- VAT on bank fee
- 800 AED
- Agency feeOff-plan: 0; resale up to AED 1,000,000: AED 21,000 incl. VAT; above: 2% + VAT
- 42 000 AED
This is an estimate. Final terms are set by the bank after reviewing your documents.
Talk it throughFees
What working with me costs
The terms are the same for everyone and known upfront.
- 01
Off-plan from the developer
Free for the buyerThe developer pays the commission.
- 02
Resale up to 1 000 000 AED
21 000 AED, VAT includedA fixed fee, whatever the price of the property.
- 03
Resale above 1 000 000 AED
2% + VATA percentage of the purchase price.
- 04
After the purchase
FreeMonthly payments, snagging, utility connections, key handover, help with resale and finding a tenant.
- 05
Property management
PartnersI refer you to trusted partners who manage everything: marketing, move-in, move-out, cleaning and reporting.