The Right Mortgage.
The Right Lender. UAE.
City Mortgage is United Arab Emirates trusted independent mortgage broker with 20 years of mortgage expertise. We work for you — not the bank — comparing all major UAE lenders to find the right home loan for your profile.
Certified by
Real Estate Regulatory Agency
Mortgage Solutions for Every Buyer in UAE
From first-time buyers to seasoned investors, City Mortgage structures the right UAE home loan for your situation.
Residential Mortgage
Home loans for UAE residents and expats. Up to 80% LTV for properties under AED 5 million. Fixed and variable rate options from all major UAE banks.
Non-Residential Mortgage
Buy Dubai property from overseas. Non-residents can access up to 65% LTV. City Mortgage navigates the international buyer process from start to finish.
Islamic Home Finance
Sharia-compliant Murabaha and Ijara structures from leading UAE Islamic banks. Available to both Muslim and non-Muslim buyers in UAE.
Equity Release & Buyouts
Unlock equity from your UAE property or switch lenders for a better rate. City Mortgage manages all UAE mortgage buyouts and equity release applications.
Commercial Finance
Finance office units, retail shops, and mixed-use commercial properties in United Arab Emirates. Competitive LTV from UAE’s leading commercial lenders.
Plot & Land Loans
Finance your Dubai or UAE land purchase with a specialist plot loan. Available for UAE nationals and qualifying residents in designated freehold areas.
Independent Advice. No Bank Bias. 20 Years of Mortgage Expertise.
When you go directly to a bank, you only see that bank’s products. City Mortgage compares every major UAE lender simultaneously — and we’ve been doing it since 2005.
We Work For You, Not the Bank
As an independent broker, our advice is never influenced by which bank pays the most commission. We find the loan that fits your profile best.
Complex Cases Welcome
Self-employed? Non-resident? Need equity release? We specialise in the applications that banks make difficult — and get them approved.
Sheikh Zayed Road — Dubai’s Financial Heart
Our office at Latifa Tower on Sheikh Zayed Road puts us at the centre of Dubai’s banking and property market. 20 years of lender relationships across the region.
End-to-End Service
From eligibility check to DLD registration, City Mortgage manages every step. You focus on finding your property. We handle the paperwork.
Your Mortgage Journey — 4 Simple Steps
From your first WhatsApp message to keys in hand, City Mortgage manages everything.
Free Assessment
WhatsApp or call us. We review your profile — income, nationality, residency, property type — and give you an honest eligibility picture with zero obligation.
Lender Comparison
We compare all major UAE banks and lenders simultaneously, identifying who will approve your profile at the best available rate — conventional or Islamic.
Pre-Approval
We submit your application and manage the bank directly. Pre-approval typically takes 3 to 7 working days. We handle all document requests and lender queries.
Mortgage & Transfer
From full mortgage offer through to DLD registration and property transfer, City Mortgage coordinates every party until you have your keys.
Every Type of UAE Property Buyer
Whether you are buying your first home or your fifth investment property, City Mortgage has the experience to get it done.
UAE Residents & Expats
Salaried or self-employed. Resident expats can access up to 80% LTV. We handle everything from eligibility to full approval.
Non-Resident Investors
Buying Dubai property from overseas. Up to 65% LTV available. City Mortgage navigates the non-resident mortgage process end to end.
Islamic Finance Seekers
Sharia-compliant home finance via Murabaha and Ijara. Available from leading UAE Islamic banks for Muslim and non-Muslim buyers alike.
First-Time Buyers
The UAE mortgage process can be complex. City Mortgage walks first-time buyers through every step, from AECB credit score to DLD transfer.
Property Investors
Buy-to-let, commercial, plot, and portfolio mortgages. We help investors structure finance that maximises their return across multiple properties.
Refinancers & Equity Release
Switch to a better rate or unlock equity built up in your UAE property. City Mortgage handles all buyout negotiations with your current lender.
Mortgage Advice Across Dubai and the UAE
City Mortgage assists buyers in all major Dubai communities and beyond. Click your area for specific mortgage guidance.
Frequently Asked Questions
Still Have Questions?
Our advisors have answered every mortgage question the UAE market throws at buyers. Reach out now for a free, no-obligation conversation.
Get Your Personalised
Mortgage Assessment
Tell us about your situation and a City Mortgage advisor will respond within 2 business hours with honest, no-obligation guidance.
