Dubai mortgage brokerage
A Dubai mortgage,
handled end to end.
We compare offers across every major UAE lender, arrange both conventional and Sharia-compliant finance, and carry your application through to the Dubai Land Department transfer. Advice is free and carries no obligation.
- Every major UAE lender
- Residents and non-residents
- Conventional and Islamic finance
15+
Years arranging UAE mortgages
150+
Five-star client reviews
1000+
Applications placed
20+
Lenders on our panel
What we arrange
One broker, every kind of Dubai mortgage.
Whatever shape your purchase takes, there is a lender for it. Our job is knowing which one before you apply.
Buying a home in Dubai
Your primary residence, compared across the whole lender panel so you see the real cost rather than the advertised rate.
Non-resident finance
Buy Dubai property from abroad. We know which lenders accept your country of residence and exactly what they will ask you for.
Buyout and refinance
Move to a better rate or release equity from a property you already own. We run the cost-benefit before you commit to anything.
Self-employed and business owners
Trade licence and bank statements, no salary certificate. Some lenders price this properly and most do not.
Islamic home finance
Sharia-compliant structures approved by the lender’s own supervisory board. No interest — a profit rate instead. See the three structures.
We also arrange second and investment property, commercial property, and land and construction finance.
Islamic home finance
Sharia-compliant finance, structured properly.
Islamic home finance is not a conventional mortgage with different wording. The bank takes a real ownership position in the property and you pay a profit rate rather than interest. We arrange all three principal structures with Dubai’s Islamic lenders.
Ijara
Lease to own
The bank buys the property and leases it to you. Each payment covers rent plus a portion of the capital, and ownership transfers to you once the final payment clears.
- Ownership passes to you at the end of the term
- Rent portion is reviewed at agreed intervals
- Widely available for completed Dubai property
Murabaha
Cost-plus sale
The bank purchases the property and sells it to you immediately at an agreed mark-up, payable in instalments. The total price is fixed at the outset and does not move.
- Total payable is fixed on day one
- No exposure to variable rate movements
- Suits buyers who want complete certainty
Diminishing Musharaka
Declining partnership
You and the bank buy the property as partners. You pay rent on the bank’s share and buy that share down over time, until you hold the property outright.
- Your ownership share grows with every payment
- Rent falls as the bank’s share shrinks
- A common structure for Dubai residential finance
Every structure we arrange is approved by the lender’s own Sharia supervisory board. We will tell you plainly where an Islamic product costs more or less than the conventional equivalent.
Why smartmortgage
Independent advice, working for you.
A bank can only offer you its own product. We can offer you the market.
Whole-of-market access
We are not tied to one bank. We place your application where it will actually be approved, on the best terms available to you.
We get difficult files approved
Thin credit history, variable income, a previous decline. These are the cases we are asked for most often.
Non-resident specialists
A large share of Dubai buyers live somewhere else. We know which lenders accept which passports and residencies.
Free, and no obligation
We are paid by the lender on completion. Our advice costs you nothing, and we will say so if your existing bank is the better option.
How it works
From the first question to the keys.
Five stages, and we handle the coordination at every one of them.
Understand your goal
A short conversation about the property, your income and your timeline. No documents needed yet.
Establish your budget
We confirm what you can borrow and issue a pre-approval you can make offers with.
Place your application
We compare live terms across the panel and submit to the lender that genuinely fits your file.
Valuation and final offer
The bank values the property and issues the final offer letter for your signature.
Transfer at the DLD
We coordinate the Dubai Land Department appointment and the release of funds.
Questions
The things buyers ask us first.
For UAE residents buying a first property under AED 5 million, lenders typically finance up to 80% of the value — so a 20% deposit. Above AED 5 million the maximum is usually 70%. Non-residents should expect to put down 40% to 50%. Purchase costs sit on top and are not financed: Dubai Land Department fees, agency commission, valuation and the bank arrangement fee.
Yes. Several UAE lenders finance non-resident buyers, though the panel is smaller, deposits are higher and the list of accepted countries varies from bank to bank. We will tell you on the first call which lenders are open to you and which are not.
The bank takes a genuine ownership stake in the property rather than lending you money at interest. You pay a profit rate or rent instead of interest, and the structure is approved by the lender’s Sharia supervisory board. Monthly payments are often comparable to a conventional loan — we will show you both side by side so you can judge.
Pre-approval usually takes three to five working days once we have your documents. From accepted offer to Dubai Land Department transfer is typically four to six weeks, depending on the lender and how quickly the valuation is booked.
Yes, though the assessment is different. Lenders look at the age of your trade licence, audited accounts or bank statements, and how stable your business income is. Some banks price self-employed applicants far better than others, which is precisely where a broker earns their keep.
Get started
Find out what you can borrow.
Five quick questions, one at a time. A qualified advisor reviews your answers and comes back with the lenders that fit — usually the same working day.
- No credit check at this stage
- Free advice, no obligation to proceed
- Your details are never sold or shared
Prefer to talk right now?
Takes about a minute. No credit check, no obligation.