Independent advisory across Dubai, Abu Dhabi and Ras Al Khaimah. Compare 28+ banks, get pre-approved fast, and structure financing as a resident, expat or non-resident.
Mortgage Advisory
We started advising on UAE mortgages because too many buyers were being routed to whichever bank paid the highest commission — not the lender that fit their income, residency or long-term plan. We work the other way. Your file is shopped across 28+ retail and private banks, the rates and terms compared line by line, and the lender chosen on merit. Whether you're buying your first apartment in Dubai Marina, a Saadiyat villa, an off-plan tower in Business Bay, or a beachfront residence on Al Marjan Island, the structure is built around you.
Calculators
Indicative figures based on UAE Central Bank lending rules. We'll re-run them with live bank rates on your call.
Monthly EMI
AED 10,835
At 4.25% over 25 years
Loan Amount
AED 2,000,000
Down Payment
AED 500,000
20% of property price
Total Interest
AED 1,250,429
Upfront Cash Needed
AED 655,290
Down payment + DLD 4% + agency 2% + mortgage reg
Total Repayment
AED 3,750,429
Estimates only. Actual rates, fees and eligibility depend on lender, profile and property.
Eligibility
Salaried applicants typically need a minimum monthly income of AED 15,000 and 6+ months with their current employer. Self-employed applicants need 2 years of trade licence history and audited financials. Up to 80% LTV on first homes under AED 5M, 70% above that.
Same income thresholds as residents. Lenders weight visa validity, end-of-service entitlements and country of origin. We package the file to maximise approved LTV and reduce rate.
Available from select UAE and offshore lenders. Typical LTV is 50%–60% with a minimum property value of AED 1.5M–2M. Income proof, 6 months of international bank statements and a credit report from your country of residence are required.
Mortgages are released in tranches aligned with construction milestones. Approved developer list applies. We secure the lender during the payment-plan phase so handover financing is locked in early.
Documents
Passport, Emirates ID (residents), residence visa copy, family book or marriage certificate where joint applicants apply.
6 months bank statements, salary certificate or last 2 years' audited financials for business owners. Non-residents: international bank statements and tax filings.
MOU/Sales agreement, title deed or Oqood, NOC from developer, property valuation arranged by the lender.
Credit report (Al Etihad Credit Bureau for UAE; equivalent for non-residents), proof of existing loans, credit cards and any guarantor commitments.
Our Process
01
30 minutes. We map your income, liabilities, residency status and target property to a realistic budget and LTV.
02
We submit to the lenders most likely to approve your profile at the best rate. Pre-approval issued within 3–5 working days, valid 60 days.
03
Once an MOU is signed, the lender instructs a RICS-grade valuation. We manage developer NOC and conveyancing in parallel.
04
Offer letter signed, transfer scheduled at Dubai Land Department or relevant emirate authority. Funds released; keys handed over.
Refinancing
If your mortgage is 18 months old or more, there is almost always a better rate, a longer tenure, or unlocked equity available. We model the math before recommending the move.
If your current rate sits 0.75%+ above today's market, refinancing typically pays back fees within 12–18 months. We model the break-even before recommending a switch.
Unlock up to 75% of your property's current valuation to fund a second purchase, renovation, business capital or education planning — without selling your asset.
We negotiate settlement letters, manage developer NOCs and time the switch so you avoid double payments. Most buy-outs complete in 25–35 working days.
Extend up to 25 years (under 65 at maturity for salaried, 70 for self-employed) to lower monthly EMI, or shorten to clear principal faster as income grows.
International
Wealthview operates across the UAE, UK, Europe, Caribbean, Americas and Asia. Our financing desk follows the same map.
We arrange financing for UAE residents purchasing in the UK, EU, Caribbean, US and Asia through our private bank network. Typical LTV is 60%–70% with rates from 4.5%.
Non-resident mortgages from UAE banks for buyers based in GCC, UK, Europe, India and beyond. Property must usually be in a pre-approved freehold zone and developer.
We coordinate with FX desks so deposits and instalments are converted at institutional rates. Multi-currency mortgages are available for income earned in GBP, EUR or USD.
Personal name, free zone SPV or offshore holding — financing terms shift with the wrapper. We work with your tax adviser to choose the structure that lenders accept and that protects inheritance plans.
Insights
EIBOR forecasts, the impact of US Fed decisions on AED-pegged products and what fixed vs variable means for buyers entering this year.
Read in Insights →From the 20% deposit rule (25% for non-residents) to DLD fees, NOC charges and broker fees — a clean breakdown of every cost.
Read in Insights →The 0.75% rule, settlement penalties, valuation costs and how to model the true break-even on a switch.
Read in Insights →Eligible nationalities, accepted income types, developer whitelists and the deposit cash flow non-residents should plan for.
Read in Insights →Tranche-based disbursements, handover-mortgage timing and how to protect yourself if delivery slips by 6–12 months.
Read in Insights →Lender appetite, freehold rules for expats and how Abu Dhabi differs from Dubai on LTV caps and processing time.
Read in Insights →Straight answers to the questions we hear most often from residents, expats and international buyers.
Share your residency, income and target property. We'll come back within one working day with the lenders most likely to approve you, the expected rate, and the all-in cost of transfer.