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UAE MORTGAGE ADVISORY

Find the right mortgage
for your UAE property.

Buying a home in the UAE? Housiq helps you understand your eligibility, explore suitable financing options and supports you through the mortgage process, from your initial enquiry to completion.

Purchase and pre-approval support. Options depend on your profile, property and lender criteria.

Mortgage advisor discussing UAE property financing with a client
Mortgage eligibility guidance Purchase & pre-approval support Application-to-completion assistance

YOUR PROPERTY. YOUR NEXT STEP.

Mortgage support for your property plans.

Whether you have found a home or are still exploring, start with a clear view of your financing options.

01

Buying a ready property

Explore financing for an eligible completed residential property in the UAE, with support through application, valuation and completion.

Explore your options
02

Planning your purchase

Understand what financing may be available before choosing a property. Prepare for the next steps towards bank pre-approval.

Explore your options
03

Off-plan or near handover

Availability depends on the project, completion stage and lender criteria. Review whether a suitable financing route may be available.

Explore your options

CLARITY BEFORE COMMITMENT

Understand your options.
Then take the next step.

A mortgage should fit your property plans and financial circumstances. We help you understand the requirements, review suitable options and prepare for each stage of the application.

Check your mortgage options

Start with your circumstances

Your property plans, income profile and financing needs come first, rather than a headline rate alone.

Understand the costs involved

Discuss rates, fees and repayment terms. A lower initial payment does not always mean a lower overall cost.

Get application support

Understand the information lenders need and receive support as your application progresses towards completion.

A CLEAR WAY FORWARD

From first conversation
to completion.

Know what comes next, without needing to have every answer today.

01

Tell us your plans

Share your contact details and the type of mortgage assistance you need.

02

Review your circumstances

Discuss your residency, income, property plans and deposit or existing equity.

03

Explore the next steps

Review suitable financing routes and the information needed for lender assessment.

04

Progress your application

Get support through application, valuation and completion, subject to lender decisions.

An initial assessment or pre-approval is not a guarantee of final finance. Timing depends on the lender, documentation, property and transaction.

START WHERE YOU ARE

Not sure whether you qualify?

You do not need every answer before making an enquiry. An advisor can explain what information is needed to review your options.

Requirements vary by residency, age, income, existing commitments, deposit, property and lender assessment.

Check your mortgage options
UAE nationals and residents
Eligible overseas buyers
Salaried applicants
Self-employed applicants

Different circumstances.
One sensible place to start.

Mortgage advisor discussing existing-property finance with UAE homeowners

FOR EXISTING PROPERTY OWNERS

Already own a property in the UAE?

Explore financing against an existing property. We review your ownership, any existing mortgage and intended use of funds to assess whether an eligible property-finance route may be available.

The available amount and structure depend on valuation, outstanding borrowing, affordability and lender criteria. Availability depends on the property, existing finance, intended use of funds and lender criteria.

Check your mortgage options

Your property may be at risk if you do not keep up repayments on finance secured against it. Fees and ongoing repayments can affect the benefit of refinancing or releasing funds.

YOUR QUESTIONS, EXPLAINED

A little clarity goes a long way.

Get straightforward answers to common questions about eligibility, deposits, pre-approval, rates and the mortgage process.

Ask about your circumstances
Can I apply before finding a property?

Yes, you can start by discussing your circumstances and potential borrowing budget. Bank pre-approval may help with your search, but remains subject to the lender's terms and is not a final lending commitment.

Can non-residents enquire about a UAE mortgage?

Yes. Options may be available for eligible non-residents. Availability depends on factors such as your country of residence, income, property and the lender's requirements.

Can self-employed applicants be considered?

Yes. Lenders may assess your business history and income evidence alongside your wider financial circumstances. Documents and eligibility requirements vary.

How much deposit will I need?

Your contribution depends on the property, applicant category and lender assessment. Budget for applicable purchase and finance costs as well. An advisor can help identify the information needed to review your circumstances.

Can I get finance for an off-plan property?

Potentially, but not every project or purchase stage is eligible. Financing during construction and a mortgage arranged closer to handover may have different requirements. Project acceptance and lender assessment are essential.

What mortgage rate can I get?

Rates depend on the product, lender and your financial profile. Consider the fixed or variable structure, any follow-on rate, fees and repayment terms rather than comparing an introductory rate alone.

How much can I borrow?

The lender considers income, existing commitments, property value, your available contribution and other eligibility requirements. An initial discussion does not confirm an approved amount.

Does submitting this form affect my credit score?

This form requests a conversation; it is not a bank application. Credit checks may form part of a subsequent lender process. Ask the advisor what checks are involved before proceeding.

Which documents will I need?

Requirements depend on the lender and your profile. They may include identity, residency, income, bank and property documents. Self-employed applicants may need additional business records. Do not upload sensitive documents through this initial enquiry form.

How long does approval take?

Timing depends on the lender, the completeness of your documents, the property and the transaction. A Housiq enquiry is not an approval, and no approval timeframe is guaranteed.

Can I refinance or release funds from an existing property?

A suitable route may be available, depending on ownership, existing finance, affordability, property valuation and the intended purpose. The arrangement must meet lender and applicable regulatory requirements. Consider fees and total repayment costs.

Can I keep my current mortgage and take a second one?

A second property purchase, refinancing and a second charge over the same property are different arrangements. Availability and permissions depend on the structure. Your advisor must review the details before an option is suggested.

READY TO DISCUSS YOUR OPTIONS?

The right mortgage decision starts with the right conversation.

Tell us what you are planning. A Housiq mortgage advisor will discuss your circumstances and explain the next steps.

COMPANY DETAILS

Business information

Who operates this website

Housiq Mortgage Broker

Business address

Office 4853, Aspin Commercial Tower, Trade Centre First, Dubai, UAE

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