Terms & Conditions

1. Definitions

In these Terms & Conditions, the following definitions apply:

• “CityMortgage”, “we”, “us”, “our” — City Axis Mortgage Broker L.L.C, a company licensed and operating in Dubai, UAE (RERA ORN: 58708, Licence No. 1566956)
• “Website” — the website located at citymortgage.ae and all associated pages
• “Services” — mortgage brokerage, advisory, and related financial intermediary services provided by CityMortgage
• “User”, “you”, “your” — any individual who accesses the Website or engages with our Services
• “Lender” — any UAE bank, financial institution, or Islamic finance provider to whom CityMortgage may refer your mortgage application
• “Personal Information” — any information that identifies or may identify you, as further described in our Privacy Policy

2. About CityMortgage

CityMortgage is a licensed independent mortgage brokerage operating in Dubai, United Arab Emirates. We act as an intermediary between clients and UAE-licensed lenders and financial institutions. We do not provide credit directly.

• Legal name: City Axis Mortgage Broker L.L.C
• RERA ORN: 58708
• Licence Number: 1566956 (valid until 5 January 2027)
• Registered address: Unit 1902, Latifa Tower, Sheikh Zayed Road, Trade Center 1, Dubai, UAE
• Email: info@citymortgage.ae
• Phone / WhatsApp: +971 50 925 5050

3. Use of the Website

Permitted use

You may use the CityMortgage website for lawful personal and informational purposes only. You agree not to use the website in any way that:

• Violates any applicable UAE law or regulation
• Is fraudulent, misleading, or deceptive
• Infringes the intellectual property rights of CityMortgage or any third party
• Transmits unsolicited commercial communications (spam)
• Attempts to gain unauthorised access to any part of the website or its underlying systems
• Introduces malware, viruses, or other harmful code

Account and enquiry submissions

When you submit an enquiry or contact form on our website, you represent that all information provided is accurate, current, and complete. You are responsible for maintaining the confidentiality of any correspondence or documents shared with us.

4. Our Services and Scope of Advice

Nature of our services

CityMortgage provides independent mortgage brokerage and advisory services. We compare mortgage products from multiple UAE-licensed lenders and make recommendations based on the information you provide to us. Our services include:

• Mortgage eligibility assessments
• Comparison of mortgage products across UAE lenders
• Assistance with mortgage application preparation and submission
• Support throughout the mortgage approval and property transfer process

Information dependency

The accuracy of any assessment, recommendation, or advice we provide is entirely dependent on the accuracy and completeness of the information you provide to us. CityMortgage accepts no liability for assessments based on incomplete or inaccurate information provided by the client.

Fees and charges

Our fee structure will be clearly disclosed to you before any mortgage application is submitted. CityMortgage may receive a commission from lenders upon successful mortgage completion. This does not affect our commitment to recommending the most suitable product for your circumstances. We will always disclose the nature and amount of any commission or fee we receive.

5. No Guarantee of Mortgage Approval

CityMortgage cannot guarantee that any mortgage application will be approved by a lender. Mortgage approval is subject to the lender’s own underwriting criteria, credit assessment, property valuation, and other factors entirely outside our control.

An indicative eligibility assessment or pre-approval indication from CityMortgage does not constitute a formal mortgage offer or guarantee of approval. Formal mortgage offers are issued solely by the relevant lending institution.

6. Accuracy of Information on the Website

CityMortgage makes every effort to ensure that the information published on this website is accurate and up to date. However, the UAE mortgage market, interest rates, lender criteria, and regulatory requirements change frequently.

We reserve the right to update, correct, or remove any information on this website at any time without prior notice.

7. Intellectual Property

All content on the CityMortgage website — including text, graphics, logos, icons, images, and software — is the property of City Axis Mortgage Broker L.L.C or its content suppliers and is protected by UAE and international intellectual property laws.

You may not reproduce, distribute, modify, transmit, display, or use any content from this website for commercial purposes without our prior written consent. Personal, non-commercial use of the website content is permitted provided you retain all copyright and proprietary notices.

8. Third-Party Links and Services

Our website may contain links to third-party websites, including UAE banks, property portals, government websites, and regulatory bodies. These links are provided for your convenience. CityMortgage does not endorse, control, or accept responsibility for the content, privacy practices, or terms of any third-party website.

Your use of any third-party website is at your own risk and subject to that website’s own terms and conditions.

9. Limitation of Liability

To the fullest extent permitted by UAE law, CityMortgage and its directors, employees, and agents shall not be liable for:

• Any indirect, incidental, or consequential loss arising from your use of our website or services
• Any loss arising from a lender’s decision to decline a mortgage application
• Any loss arising from changes in UAE mortgage rates, regulations, or lender criteria
• Any inaccuracies in lender product information that are beyond our reasonable control
• Any interruption, suspension, or termination of our website or services
• Any loss of data or information submitted through our website

Nothing in these terms excludes or limits our liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable UAE law.

10. Indemnity

You agree to indemnify, defend, and hold harmless CityMortgage, its directors, employees, and agents from and against any claims, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the website or services in violation of these Terms & Conditions
• Any information you provide that is inaccurate, incomplete, or misleading
• Any violation of the rights of a third party
• Any violation of applicable UAE law or regulation

11. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms & Conditions. By using our website or services, you acknowledge and consent to the practices described in our Privacy Policy.

12. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the United Arab Emirates, specifically the laws of the Emirate of Dubai. Any dispute arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE.

If you are accessing our website from outside the UAE, you are responsible for compliance with your local laws to the extent they are applicable.

13. Changes to These Terms

CityMortgage reserves the right to update or modify these Terms & Conditions at any time. The revised terms will be posted on this page with an updated “Last updated” date. Your continued use of the website or our services after any changes constitutes your acceptance of the revised terms.

We encourage you to review these terms periodically. For significant changes, we will notify active clients where we hold contact details.

14. Contact Us

If you have any questions about these Terms & Conditions, please contact us: