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Mortgage Broker Dubai

Homemortgages

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.

Mortgage calculator

Understanding the mortgage process?

Purchasing a property in Dubai involves making key decisions about mortgage rates, terms, and approval processes. If you're working with a bank, obtaining pre-approval is an essential step, involving specific documentation and background checks. Whether you're a first-time buyer or looking to refinance, working with a knowledgeable mortgage broker in Dubai can significantly simplify this journey. At H&S Real Estate, our expert mortgage advisors in Dubai provide comprehensive insights into interest rates, loan terms, and lender options. We ensure you are well-prepared and confident as you navigate the mortgage process for your property investment in Dubai.

Why choose H&S Real Estate as your mortgage advisor?

With over 25 years of experience in successful mortgage transactions, H&S Real Estate has built a reputation as one of the leading mortgage brokers in the UAE. Our team of expert mortgage brokers and mortgage consultants in Dubai provides personalized mortgage advice, helping you understand your options for the best mortgage solution in Dubai. Whether you are seeking advice on interest rates, loan structures, or eligibility, we offer a thorough, stress-free approach.

Expert Mortgage Advice and Solutions

At H&S Real Estate, we understand that every property investment is unique. Our mortgage advisors and mortgage specialists work closely with you to offer tailored advice and solutions that align with your financial goals. From the first consultation to securing the perfect mortgage, we take the complexity out of the process. Contact us today for trusted mortgage advice in Dubai and access to the best mortgage solutions in Dubai.

Mortgage calculator

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Frequently Asked Questions

A mortgage broker in Dubai helps clients navigate the mortgage process by connecting them with the best lenders and advising on the most suitable mortgage terms and interest rates. As experienced expert mortgage brokers, we ensure that you make informed decisions, tailored to your financial needs. Our mortgage advisors in Dubai take the complexity out of the process, offering personalized guidance.
A mortgage advisor in Dubai has in-depth knowledge of the local real estate and financial markets. They can offer expert mortgage advice in Dubai, helping you secure the best mortgage solution in Dubai. By working with a mortgage consultant in Dubai, you gain access to specialized advice, competitive rates, and clear guidance on the best mortgage products available.
Mortgage brokers in the UAE have access to multiple lenders and mortgage products, ensuring that you get the best possible deal. Whether you are a first-time homebuyer or looking to refinance, a mortgage broker in Dubai can help you navigate the various mortgage options and find one that suits your financial goals.
Using a UAE mortgage calculator can help estimate how much you may be eligible to borrow. This tool considers your income, debt levels, and the value of the property. It provides a rough idea of your borrowing potential, allowing you to plan your mortgage strategy accordingly. However, it’s always best to consult with expert mortgage brokers in UAE for personalized calculations and advice.
At H&S Real Estate, our team of mortgage specialists and mortgage advisors in Dubai offer more than just basic mortgage advice. We provide a personalized approach, understanding your financial situation and offering tailored solutions. Our expert mortgage brokers guide you every step of the way, ensuring you secure the best mortgage solution in Dubai.
Our mortgage advisors in Dubai work with a variety of lenders to offer a wide range of mortgage products, including fixed-rate, variable-rate, and Islamic home finance options. Whether you're a first-time buyer or seeking refinancing, our mortgage consultants in Dubai will help you find the most suitable option for your needs.
You can get expert mortgage advice in Dubai by contacting our team of professional mortgage advisors at H&S Real Estate. Our experts will discuss your specific needs and offer personalized solutions to help you navigate the mortgage process with confidence.
While it’s possible to apply for a mortgage on your own, working with an experienced mortgage advisor in Dubai can make the process smoother and faster. A mortgage consultant in Dubai provides professional guidance, ensuring that you understand the terms, rates, and approval process, helping you secure the most favorable terms available.
Your borrowing capacity depends on factors such as income, existing liabilities, and the lender's criteria. Typically, banks in the UAE offer loans up to seven times your annual salary depending on your case, and your total monthly liability repayments, including the mortgage, should not exceed 50% of your monthly income. For a precise assessment, consult with our mortgage advisors.
Mortgage rates in the UAE vary based on the lender, loan type, and your financial profile. As of 2024, mortgage interest rates in the UAE generally range from 2.5% to 4.5%, depending on the type of mortgage, the borrower’s financial profile, and the lender or bank. The rates can vary significantly between fixed-rate and variable-rate mortgages. Our team can help you find competitive rates suited to your needs.
Yes, non-residents can secure mortgages in the UAE, usually up to 60% of the property's value. Eligibility criteria and terms differ among lenders; our advisors can provide detailed information tailored to your situation.
To apply for a mortgage in Dubai you’ll need a few documents, including a copy of your passport, visa, and Emirates ID, a salary certificate, proof of residence (such as a tenancy contract or DEWA bill), and bank statements for the past six months.

For salaried individuals: identification documents, salary certificate, recent payslips, bank statements, and details of existing liabilities.

For self-employed individuals/businesses: identification documents, company trade license, financial statements, bank statements, and details of existing liabilities.

Our experts can guide you with the exact documentation needed for your particular application.
Pre-approval is an initial agreement from a lender that states the loan amount you may qualify for, based on your financial situation. It helps streamline the process when you find the right property. Documents like wage slips, bank statements, and letters from employers are usually submitted and background checks are undertaken by the bank.

The pre-approval process typically takes between 5 to 7 working days (7 to 10 working days for business owners), depending on the lender and the completeness of your documentation. Contact us to get started with a quick pre-approval assessment.
It's advisable to obtain mortgage pre-approval before property hunting. However, if you've identified a property, contact us immediately. Our team can expedite the mortgage process to align with your purchase timeline.
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