Mortgage Broker in Dubai —
Independent Expert Advice Since 2005
Dubai’s independent mortgage broker on Sheikh Zayed Road. We compare 25+ UAE lenders with no bank bias — and secure the right mortgage for your profile and property.
Why Dubai’s Property Market Needs an Independent Broker
Going directly to a UAE bank gets you that bank’s products. CityMortgage gives you a comparison of every major lender simultaneously — conventional and Islamic — with no obligation to any of them.
Dubai’s mortgage market has over 25 active lenders with constantly changing rate promotions, LTV policies, and income eligibility rules. We have navigated every EIBOR cycle and regulation change since 2005.
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We Work for You — Not the BankNo commission bias. We recommend the lender that fits your needs, not the one that pays us more.
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25+ Lenders Compared in One StepOne application. Every suitable UAE bank approached simultaneously. You see the full market.
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20+ Years UAE Mortgage ExpertiseEstablished before Dubai’s first property boom. We know which lenders approve which profiles.
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Same Day Assessment ResponseWhatsApp us your profile. We give you an honest eligibility picture by end of the same day.
Mortgage Options Available Across Dubai
Whether you are buying your first home, investing, refinancing, or purchasing from overseas — CityMortgage matches the right product to your situation.
Residential Mortgage
Home loans for UAE residents and expats. Up to 80% LTV for properties under AED 5M. Fixed and variable rates from all major UAE banks compared simultaneously.
Up to 80% LTVIslamic Home Finance
Sharia-compliant Murabaha and Ijara structures from leading UAE Islamic banks. Available to Muslim and non-Muslim buyers. Same LTV as conventional.
Murabaha & IjaraNon-Resident Mortgage
Buy Dubai property from overseas without a UAE visa. Up to 65% LTV. CityMortgage manages the entire international buyer process remotely.
No UAE visa neededEquity Release & Buyouts
Unlock equity in your Dubai property or switch to a better mortgage rate. CityMortgage manages all buyout negotiations end-to-end.
Up to 80% releaseCommercial Finance
Finance office units, retail, warehouses, and hotel apartments in Dubai. LTV up to 65% from UAE’s leading commercial lenders.
Offices & retailPlot & Land Loans
Finance your UAE land purchase with a specialist plot loan. Combined plot + construction finance available for UAE nationals and qualifying expats.
Plot + buildMortgage Advice Across All Dubai Communities
CityMortgage assists buyers across every freehold area in Dubai — from waterfront Marina apartments to family villas in Arabian Ranches. We also cover Abu Dhabi and Sharjah.
Dubai Marina Mortgages
Apartments, penthouses and waterfront towers. 6–8% rental yields. Expat and non-resident specialists.
Palm Jumeirah Mortgages
Beachfront villas and apartments. AED 2M–100M+. High-net-worth and non-resident buyer specialists.
Downtown Dubai Mortgages
Burj Khalifa area prestige. AED 1.5M–20M+. Strong tourism and long-term rental demand.
More Dubai communities and UAE emirate mortgage guides — with tailored information on property prices, deposit requirements, rental yields, and lender appetite for each area.
Business Bay
Residential and commercial. Canal-view premium. Strong investor demand near Downtown and DIFC.
DubaiJVC — Jumeirah Village Circle
Dubai’s most accessible freehold community. Studios from AED 450K. Ideal for first-time buyers.
DubaiDubai Hills Estate
Family villas and townhouses. Golf course community. Schools and hospital within the development.
DubaiArabian Ranches
Established villa community. Phases 1, 2 and 3 all eligible. Consistent family rental demand.
Abu DhabiAbu Dhabi
Yas Island, Saadiyat, Al Reem Island and more. CityMortgage covers all UAE mortgage advice.
SharjahSharjah
Affordable freehold areas. Strong rental yields 6–9%. Commuter demand from Dubai professionals.
How to Apply for a Mortgage in Dubai
Free Eligibility Check
WhatsApp or email CityMortgage with your income, nationality, residency, and property type. We give you an honest eligibility picture — including your likely maximum mortgage — the same day.
Lender Comparison
We compare all 25+ major UAE banks and Islamic lenders simultaneously for your profile. You receive a clear breakdown of the best available rates, LTVs, and terms — with no obligation.
Pre-Approval
We submit to your chosen lender and manage the bank directly. Pre-approval typically takes 3 to 7 working days. All document queries handled by CityMortgage.
Transfer & Registration
From full mortgage offer to DLD property registration. CityMortgage coordinates with your agent, developer, the bank, and DLD until you have your keys and title deed.
Total Cost of Buying in Dubai
- Down payment (expat, under AED 5M)20% min
- DLD transfer fee4% of price
- Mortgage registration (DLD)0.25% of loan
- Property valuation~AED 3,000
- Bank processing fee~1% of loan
- Agent commission~2% of price
- Total upfront (excl. deposit)~6–7% of price
Example: AED 2M property — budget approx. AED 400K deposit + AED 120–140K in fees. CityMortgage calculates your exact numbers.
Dubai Mortgage Questions
Dubai’s Independent Mortgage Broker
CityMortgage is based at Unit 1902, Latifa Tower, Sheikh Zayed Road — the heart of Dubai’s financial district. WhatsApp us for a free, same-day eligibility assessment.
Get a Free AssessmentReady to Find Your Dubai Mortgage?
WhatsApp CityMortgage now for a free, same-day assessment. We compare 25+ UAE lenders and find the right rate for your profile — with full transparency and zero obligation.