“Don't wait to buy real estate. Buy real estate and wait.”
Will RogersWhy Should You Choose Us?
CityMortgage is built for Dubai’s fast-moving and highly regulated property market. We combine deep local knowledge with access to leading UAE banks to help you secure the right mortgage, clearly, confidently, and without unnecessary delays.
From first-time buyers to seasoned investors, our focus is simple: protect your interests, simplify the process, and deliver financing that truly fits your goals.
We don’t believe in one-size-fits-all solutions. Every client receives personalized guidance, transparent advice, and full support from initial consultation to final loan disbursement.
10+
Years of Combined Industry Experience90%
Client SatisfactionOur Core Services
Residential Mortgage
A residential mortgage helps you buy or refinance a home without paying the full property value upfront. At CityMortgage, we make home financing simple by guiding you through eligibility, bank selection, and approvals with complete transparency and support
Key Benefits
- Support for apartments, villas, and townhouses
- Fixed and variable rate options
- Conventional & Islamic financing available
- Step-by-step guidance from application to payout
Non-Residential Mortgage
Non-residential mortgages are designed for properties used for business or investment purposes. We help investors and business owners secure financing for commercial assets while navigating stricter bank requirements
Key Benefits
- Offices, shops, warehouses & rental properties
- Financing for individuals and companies
- Higher-value loan structuring
- Expert handling of bank documentation
Personal Mortgage Consultant
Personal mortgage consulting is designed for borrowers who want independent, client-first guidance — not bank sales advice. We assess your finances, compare lenders, explain every term clearly, and manage the process end to end so you make the right long-term decision.
Key Benefits
- Dedicated one-on-one mortgage advice
- Clear explanation of rates, fees & risks
- Bank coordination and paperwork handled
- Support until loan disbursement
Islamic Home Finance
Islamic home finance offers a Shariah-compliant way to buy or refinance property without interest (Riba). We help you choose the right Islamic structure while ensuring transparency and compliance with UAE banking rules.
Key Benefits
- Murabaha, Ijara & Musharakah options
- No interest (Riba-free financing)
- Ethical, asset-backed structures
- Approved by Islamic banks in the UAE
Equity Release / Buyouts
Equity release and buyout solutions allow you to unlock property value or transfer an existing mortgage to a better lender. We assess penalties, savings, and long-term impact before recommending the right move.
Key Benefits
- Mortgage buyouts from existing banks
- Access cash tied in property equity
- Reduce interest or improve loan terms
- Clear break-even and cost analysis
Commercial Finance
Our commercial finance solutions support businesses seeking funding for property acquisition, expansion, or income-generating assets. We structure financing based on business strength and property performance.
Key Benefits
- Commercial buildings & mixed-use assets
- Financing for companies & investors
- Tailored repayment structures
- Bank negotiations handled professionally
Plot & Land Loans
Plot and land loans help you finance vacant land for future development or investment. These loans require careful structuring due to higher bank risk — and we manage the process end to end.
Key Benefits
- Residential & commercial plots
- Bank-approved valuations
- Higher equity planning
- Compliance with zoning & bank rules
56+
Veteran Homes CompletedGet a Mortgage Quote
Looking to buy, invest, or refinance in Dubai?
Get a personalized mortgage quote based on your income, property type, and eligibility — with clear terms and expert guidance from start to finish.
✔ No obligation
✔ Multiple bank options
✔ Fast, transparent advice
Among Them We’re
Refinancing Your Home No Doubt About Anything
Gain home equity by paying sit amet seeturlit sed dolor se equity
READ MORE
Delivering A Great Customer Experience
Your home equity by paying sit amet seeturlit sed dolor se equity
READ MORE
Trusted Home Financing Experts
Srt home equity by paying sit amet seeturlit sed dolor se equity
READ MORE
Realtor Giving Keys To The Happy New Owner
Gain home equity by paying sit amet seeturlit sed dolor se equity
READ MORE
Our Staff Profiles
JUBIN INDONA
Accountant
DAVID DRISCOLL
Manager
ANDON WARDIN
Loan Officer
MARK MORRELL
Area ManagerFrequently Asked Questions
Mortgage eligibility depends on your income, age, residency status, credit history, and existing debts. UAE banks also apply a Debt Burden Ratio (DBR) of up to 50%, meaning your total monthly loan obligations cannot exceed half of your income. At CityMortgage, we review your profile first and then match you with lenders you are most likely to qualify for.
Yes — and they should. A professional mortgage advisor explains interest rates, fees, loan terms, risks, and repayment structures in simple language. At CityMortgage, we ensure you fully understand your mortgage before you sign, with no hidden costs or surprises later.
Yes, it is possible in some cases. First-time borrowers or new UAE residents may still qualify if they have stable income, strong bank statements, and a clean financial profile. Bank requirements vary, which is why working with a broker improves your chances.
This depends on your monthly income, down payment, existing liabilities, and loan tenure. Most UAE banks finance up to 80% for first homes (UAE nationals) and 75% for expats, subject to eligibility. We help you calculate a realistic budget before you commit to a property.
Typically, banks require:
• Passport, visa & Emirates ID
• Salary certificate or business documents
• 3–6 months bank statements
• Property documents (once selected)
We guide you through document preparation to avoid delays or rejections.
Yes. We arrange Islamic home finance options such as Murabaha, Ijara, and Musharakah through approved Islamic banks in the UAE. These options are interest-free (Riba-free) and fully Shariah-compliant.
Applying through CityMortgage gives you access to multiple banks with one application, expert negotiation, and guidance throughout the process. Banks only offer their own products — we help you compare and choose the best option.
Yes. Mortgage refinancing or buyouts can help you reduce interest rates, lower monthly payments, or release equity. We assess penalties, savings, and long-term benefits before recommending a switch.
Pre-approval usually takes 3–7 working days, while full mortgage approval can take 2–4 weeks, depending on the bank, documents, and property. Our role is to speed up the process and handle bank coordination.
Yes, non-residents can apply, but with higher down payment requirements and fewer lender options. We help identify banks that accept non-resident applications and structure the loan accordingly.
People Are Saying About Us.
Featured News And Insights
-
user
- September 16, 2021
- No Comments
What Means Your Mortgage And 5 Ways To Improve
Quuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quia non numquam eius modi tempora incidunt
5 Ways To build Yourself By Hard Working
Quuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quia non numquam eius modi tempora incidunt
Refinancing Your Home No Doubt About Anything
Quuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quia non numquam eius modi tempora incidunt