Terms of Use
Last updated: 2026-09-16
These Terms & Conditions govern your use of the Housiq website and the information and enquiry services available through it. By using this website, you agree to these Terms & Conditions.
1. About This Website
This website provides general information about mortgage and property-finance assistance available through Housiq. It is intended to help prospective customers understand available services and request contact from a mortgage advisor.
Information on this website is provided for general informational purposes and should not be treated as a mortgage offer, lending commitment or guarantee of approval.
2. Mortgage Enquiries
Submitting an enquiry through this website does not constitute a formal mortgage application, guarantee mortgage eligibility, guarantee pre-approval or final approval, create a lending agreement, or guarantee a particular interest rate, finance amount or lending term.
An enquiry allows Housiq to discuss your circumstances and explain possible next steps. Any formal application is subject to the relevant lender's own assessment, documentation requirements, policies and approval procedures.
3. Mortgage Eligibility and Approval
Mortgage eligibility depends on factors that may include residency status, nationality, age, income, employment or business circumstances, existing financial commitments, credit profile, available deposit or equity, property type and value, property location and lender requirements.
Any initial discussion, eligibility indication or pre-approval should not be regarded as a guarantee that finance will ultimately be approved. Final lending decisions are made by the relevant lender.
4. Mortgage Rates and Product Information
Mortgage rates, lending criteria, finance amounts, repayment terms and product availability may change. Any rate or product information discussed with you will depend on the lender, product and your circumstances at the relevant time.
You should review the lender's formal documentation before entering into any mortgage or financing arrangement.
5. Existing Property Finance and Refinancing
Where information is provided regarding refinancing, releasing equity or obtaining finance secured against an existing property, availability will depend on factors such as property valuation, existing mortgage balance, affordability, intended use of funds, lender criteria and applicable legal or regulatory requirements.
Not every property or financing requirement will be eligible. Finance secured against property involves financial commitments, and failure to maintain required repayments may place the property at risk.
6. Fees and Other Costs
Mortgage and property transactions may involve charges imposed by lenders, government authorities or other third parties. These may include bank processing or arrangement charges, property valuation charges, mortgage or property registration charges, insurance costs, settlement or early-repayment charges, trustee or transaction service charges, and other applicable third-party costs.
The exact charges depend on the lender, property, emirate and type of transaction. If a chargeable Housiq service applies, the relevant charges and terms should be explained before you agree to proceed. You should obtain a transaction-specific cost breakdown before entering into a mortgage or financing arrangement.
7. Information You Provide
You agree to provide information that is accurate and complete to the best of your knowledge. The quality and accuracy of any guidance or application assistance may depend on the information you provide. You should promptly tell the relevant advisor if your circumstances change during the mortgage process.
8. Documents and Verification
A lender may require identification, residency, employment or income evidence, bank statements, business records, property documents or existing-finance information. Submitting the website enquiry form does not constitute submission of these documents to a lender.
Do not send sensitive financial or identity documents through the general website enquiry form unless you are specifically instructed to use an appropriate secure method.
9. Independent Lending Decisions
Housiq does not control a lender's credit, underwriting, valuation or approval decisions. A lender may accept or decline an application, request additional information, amend the terms offered, change product availability, or require further applicant or property checks.
Housiq cannot guarantee the outcome or timing of any lender decision.
10. No Guarantee of Completion Time
Any timeframes discussed in relation to pre-approval, approval, valuation or completion are estimates unless expressly confirmed otherwise by the relevant party. Timing can be affected by lender processing, documentation, property valuation, seller or developer requirements, government procedures, registration processes and third-party service providers.
11. General Information, Not Personal Financial Advice
Information published on this website is general in nature. A mortgage or refinancing decision can have significant financial consequences, and you should consider your own circumstances, costs, repayment obligations and appropriate professional advice before entering into a financing arrangement.
12. Website Availability
We aim to keep the website available and accurate, but we do not guarantee that it will always be available, free from errors or interruptions, that all information will always be current, or that every service described will be available to every applicant.
We may change, suspend or update website content at any time.
13. External Links
The website may contain links to third-party websites or services. These links may be provided for convenience only. Housiq is not responsible for the availability, accuracy, security, content or terms of third-party websites.
14. Intellectual Property
Unless otherwise stated, the content, branding, layout, written material and original website elements on this website belong to Housiq or are used with appropriate permission. You may view and use the website for personal and legitimate business enquiries.
You may not reproduce, republish, distribute or commercially exploit website content without permission, except where permitted by law.
15. Acceptable Use
You must not use this website to submit false or misleading enquiries, attempt unauthorised access to the website or its systems, introduce malicious code, disrupt website operation, impersonate another person, or use the website for unlawful activity.
16. Privacy
Personal information submitted through this website is handled in accordance with our Privacy Policy. Please review the Privacy Policy before submitting an enquiry.
17. Limitation of Responsibility
To the extent permitted by applicable law, Housiq is not responsible for losses arising solely from decisions made by independent lenders, changes in lender policies or product availability, third-party service failures, property valuation outcomes, incorrect or incomplete information supplied by a customer, or reliance on general website information without considering individual circumstances.
Nothing in these Terms & Conditions excludes or limits any liability that cannot lawfully be excluded or limited.
18. Changes to These Terms
We may update these Terms & Conditions from time to time. The version published on this website at the relevant time will apply to your use of the website. Material changes may be reflected by updating the date shown at the top of this page.
19. Governing Law
These Terms & Conditions are governed by the applicable laws of the United Arab Emirates. Any dispute will be subject to the jurisdiction of the competent courts of the United Arab Emirates, unless applicable law requires otherwise.
20. Contact Us
If you have questions about these Terms & Conditions, please contact:
Housiq Mortgage Broker
Office 4853, Aspin Commercial Tower, Trade Centre First, Dubai, UAE
Phone: +971 50 784 1686
Email: info@housiqmortgage.com