H&S Real Estate Mortgages

RERA Certified · 25+ Years Experience · 35+ Bank Partners

Dubai's Trusted Mortgage Brokers at Your Service

Your mortgage journey starts here.

We compare rates from 35+ UAE banks and lenders to secure the most competitive mortgage solution tailored to your income, goals, and timeline. Free advice, no hidden fees.

  • AED 4B+

    Mortgages Arranged

  • 35+

    Bank Partners

  • 2.5%

    Rates From

  • 24hrs

    Pre-Approval

Find the Perfect Mortgage Solution for You

At H&S Real Estate, we are committed to making the journey of home buying an exciting and stress-free experience. Our mortgage broker Dubai team offers tailored solutions and expert guidance to help you secure the most competitive mortgage options. Whether you're a first-time buyer or a seasoned investor, our mortgage advisors in Dubai and expert mortgage brokers ensure that your needs are met every step of the way.

We provide comprehensive support, including personalized mortgage advice Dubai to help you make informed decisions. With our team of mortgage consultants in Dubai, achieving the best mortgage solution in Dubai has never been easier.

UAE Mortgage Calculator

Calculate Your Monthly Payments

Use our UAE mortgage calculator to explore financing options that suit your needs. By entering details such as the property price, deposit amount, and mortgage period, you'll get an instant estimate of your monthly payments. This tool, combined with the expertise of our mortgage brokers in UAE, empowers you to plan your budget confidently.

Adjust Your Preferences

Property Price
200,000 AED50,000,000 AED
Deposit
980,000 AED
1,960,000 AED
Mortgage Period
1 Year
25 Years
Interest Rate
1%
10%

Your Mortgage Summary

Monthly Payment
AED 51741
Total Purchase Costs: AED 9,800,000 + Fees
Total Required Upfront: AED 11,760,000 + Fees

Our mortgage specialists are here to assist you. Get in touch to secure the best rates.

Expert Guidance. Zero Broker Fee.

Get your mortgage journey started with us. We have the best products and solutions for you.

In-depth advice

Work with experienced mortgage specialists who understand the UAE market

Assistance 24/7

Get support whenever you need it, around the clock

Secure Process

Your data and financial information are protected with bank-level security

Zero Broker Fee

No hidden costs or broker fees - we're paid by lenders, not you

Best Rates

Access competitive rates from multiple lenders across the UAE

Guaranteed Service

100% commitment to finding you the best mortgage solution

Find the Right Mortgage for You

We provide comprehensive mortgage solutions.

Ready-Made Mortgage

Pre-approved mortgages for quick property purchases

Refinancing

Lower your monthly payments with better rates

Fixed Rate

Lock in your interest rate for peace of mind

Variable Rate

Benefit from potential rate decreases over time

Local & International Mortgage

Mortgage solutions for residents and non-residents

Investment Property

Mortgage solutions for property investors

Your Mortgage Journey in 5 Simple Steps

From consultation to completion, we guide you every step of the way.

1
Step 1

Initial Consultation

Discuss your financial situation and property goals with our experts

2
Step 2

Documentation & Submission

We help you gather and submit all required documents

3
Step 3

Pre-Approval

Get pre-approved to know your borrowing capacity

4
Step 4

Property Selection

Find your dream property with our real estate team

5
Step 5

Approval & Completion

Receive approval and complete your property purchase

CURRENT RATES

UAE Mortgage Rates

Indicative 2026

BANK / LENDERRATE (P.A.)TYPEMAX LTVTERM
ENBD
Emirates NBDBEST

Fixed 2yr then Variable

2.99%FIXED80%25 yrs
ADCB
ADCB

Fixed 3 Years

3.25%FIXED80%25 yrs
FAB
First Abu Dhabi Bank

Variable EIBOR Linked

EIBOR+1.6%VARIABLE80%25 yrs
MSRQ
Mashreq Bank

Fixed 1 Year Intro

3.49%FIXED75%25 yrs
HSBC
HSBC UAE

Premier Variable

EIBOR+1.75%VARIABLE80%25 yrs
RAK
RAK Bank

Fixed 5 Years

3.75%FIXED75%20 yrs

*Rates are indicative and subject to change based on individual credit assessment. Actual rates depend on your financial profile, property type, and lender criteria. Contact H&S for live personalized quotes.

How Much Can You Borrow?

There are some key factors that determine how much you can borrow.

Your Income

Banks typically lend up to 7x your annual salary

Property Value

Maximum loan-to-value ratio varies by property type

Debt-to-Income Ratio

Your total monthly debt should not exceed 50% of income

Credit History

A good credit score improves your borrowing capacity

Quick Eligibility Check

Get an instant estimate of your borrowing power no credit check, no commitment.

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What Our Clients Say

"H&S Real Estate made the mortgage process incredibly smooth. Their expert guidance helped me secure the best rate, and the zero broker fee was a huge bonus. Highly recommended!"

- Ahmed Al Maktoum

"As a first-time buyer, I was overwhelmed by the mortgage process. The team at H&S walked me through every step and found me a perfect solution. Thank you!"

- Sarah Johnson

"Fast approval, competitive rates, and excellent service. The mortgage advisors at H&S are truly professionals who care about their clients."

- Mohammed Hassan

latest off-plan launches

Frequently Asked Questions

No H&S Real Estate's mortgage advisory service is completely free to you. We receive a referral fee from the lender upon successful mortgage completion. You get expert guidance, rate comparisons, and end-to-end support at zero cost.
For properties under AED 5M: expat residents need min. 20% down payment (80% LTV). UAE nationals: min. 15% (85% LTV). For properties above AED 5M: min. 30% for expats, 25% for nationals. Non-residents require at least 40% (60% LTV).
With complete documentation, we typically secure pre-approval within 5–7 working days for salaried applicants and 7–10 days for business owners. Our team fast-tracks submissions through dedicated bank relationships, often achieving faster turnaround.
Yes non-residents can secure UAE mortgages up to 60% LTV through select partner banks including HSBC, Mashreq, and Standard Chartered. Foreign income in most major currencies is accepted. Our specialist team handles all non-resident applications.
Salaried employees: passport, visa, Emirates ID, salary certificate, last 3 payslips, 6 months bank statements, and details of existing liabilities. Self-employed: trade license, 2 years audited financials, 12 months bank statements, and ownership documents. Our team will provide a personalised checklist.
As of early 2025, fixed rates typically range from 2.99% to 4.5% p.a., while variable rates (EIBOR-linked) range from EIBOR+1.5% to EIBOR+2.5%. Your actual rate depends on your financial profile, down payment amount, and chosen lender. H&S negotiates competitive rates on your behalf.
Beyond the down payment: DLD transfer fee (4% of property value), mortgage registration fee (0.25% of loan), property valuation fee (AED 2,500–3,500), bank arrangement fee (0.5–1% of loan, often waived via H&S), and agent commission (if applicable). Budget approximately 6–8% above the property price in total.

GET IN TOUCH

Have Questions?
We're Here to Help

We're ready to answer your questions. Let our RERA-certified experts guide you every step of the way from shortlisting to handover.

Free Consultation

No hidden fees – expert guidance only

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Dubai's most awarded real estate agency

RERA Certified

All agents fully licensed and certified

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