UAE's Top Rated
Mortgage Broker
Secure the best rates and mortgage terms in the UAE. Our dedicated mortgage experts handle everything from negotiation to final approval.
20+
Years Experience
3000+
Happy Clients
3B+
AED Facilitated
Ex-Bankers on Your Side
We know bank policies inside out — because we worked there.
100% Free Service
Banks pay us, not you. No hidden fees. Ever.
Faster Approvals
Direct bank contacts = fewer delays & fewer surprises.
Google Rating
Handled by Ex-Bankers | 20+ UAE Banks | 100% Free Service
Let's Talk
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We work with all major UAE banks
Steps Of Your Mortgage Journey
From consultation to keys in hand, we guide you every step of the way.
Consultation
Your journey to securing the perfect home finance begins with a personalized free consultation.
Pre-Approval
We will secure your pre-approval from the bank, making your property hunt more effective.
Property Hunt
Once pre-approved, partner with an experienced real estate agent to help you explore properties.
Finalizing
We'll do what we do best... secure you the most favorable mortgage.
Google Reviews
See what our happy clients have to say about their experience.
"I had a great experience with LOANS & HOMES from start to finish. The entire process was smooth, clear, and well-organized, which made a big difference for me.A special thanks to Calum and his team, who supported me throughout the whole journey. He was extremely professional, patient, and always available to answer my questions and explain everything clearly. His guidance and expertise made the mortgage process much less stressful.I highly recommend this company to anyone looking for reliable and professional mortgage services."
Pierre
"Great experience with LOANS & HOMES. The team was professional, helpful, and very responsive. They explained everything clearly and made the process smooth and stress free. Highly recommended for anyone looking for a reliable mortgage broker."
Razan Alsaed
"Great team, providing support and clarity in every step of the process. Work, think and provide solutions. Special appreciation to Aidan for his dedication and professionalism until the last minute. Regards to the whole team!"
Francois Eid
"I recently worked with LOANS & HOMES, and I can confidently say the experience was exceptional. Hatem, Aidan, and Amr were incredibly professional, transparent, and supportive throughout the entire mortgage process. They guided me step by step, always keeping me informed and ensuring everything moved smoothly and efficiently. Their expertise and commitment made a usually stressful process feel easy and well-managed."
Mostafa Younis
"I had no experience at all yet with requesting and finalizing a mortgage in Dubai. My real estate agent brought me into contact with Aidan who guided me until the day I did the property transfer. He is a very patient and knowledgeable person. He explained me every detail and was always available for questions. I felt from the first conversation that I was in good hands. Aidan is very professional and takes his customers very serious."
Alain Bleeksma
"LOANS AND HOMES make the whole mortgage process feel very easy. They’re connected with all the major banks and always find the best fit based on the needs. Super responsive, professional, and nice people to deal with."
Fayez Tayyar
"I’m truly grateful to LOANS & HOMES for their continuous support throughout my mortgage journey. The team was incredibly attentive to every detail, always patient in answering my many questions, and extremely knowledgeable about every step of the process.They were with me from the very beginning until the moment I finally purchased my property — making what could have been a stressful experience smooth and reassuring.A special thank you to Hatem, who was absolutely amazing! His professionalism, guidance, and consistent follow-up made all the difference. I genuinely appreciate the entire team’s dedication and highly recommend their services to anyone considering a property purchase."
Taghrid Alhowish
"I had an excellent experience working with Mr. Aidan from Loan and Homes as my mortgage advisor. From start to finish, he was extremely professional, approachable, and supportive throughout the entire loan process.Aidan patiently guided me through every step, clarified all my doubts, and ensured everything moved smoothly with the bank. His expertise, clear communication, and dedication made what could have been a stressful process very easy and hassle-free. I truly appreciate his commitment and highly recommend him to anyone looking for reliable mortgage advice and support."
Zohaib Merchant
"I had a great experience with LOANS & HOMES. Team was very supportive, professional and always available to answer my questions. They explained everything in detail and made sure i understood every step of the process. I was regularly being updated, which made the whole process easy and stress-free.Everything was smooth and completed much faster than I expected. I highly recommend them for anyone looking for mortgage services. Truly amazing."
Marwan Radwan
"We had an excellent experience with LOANS & HOMES application process, especially as first-time buyers. The team was professional and supportive, and a special thanks goes to Abdulhafiz for his outstanding professionalism & guidance. He made the whole process smooth and stress-free, always taking the time to answer our questions. Highly recommend their services!"
Dima Mroue
"Yazan and his team were helpful and very proactive in getting the loan and transfer process done. From signing the contract F to getting the Final Offer Letter and title deed transfer was completed in just about a month. His good collaboration with the real estate agent also helped to make the whole process smooth. Will definitely engage with them again for future loans down the road."
Brian Lee
"I'm very happy with service and care. I didn't expect to get mortgage but with this team and help I got it 👍 highly recommended"
Precisco Precisco
"LOANS AND HOMES made it a seamless experience to get a mortgage in Ras Al Khaimah. The team was extremely helpful from start to end and educated us through the complexities that arose. Couldn’t recommend them enough"
Khalid Ghaith
Mortgage Calculator
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Eligibility Calculator
Wondering how much are you eligible to get from the banks? Use our eligibility calculator to find out.
LOANS&HOMES VS Direct Bank
Why choosing a mortgage broker makes financial sense.
LOANS&HOMES
Bank Directly
Access to Multiple Lenders
We have connections with various lenders, access to 1,000+ mortgage products offering a wide range of mortgage options.
Limited Options
Banks offer their own mortgage products, which heavily limits your choices.
Expert Guidance
We are industry experts. We assess your financial situation, provide personalized advice, and guide you through the entire mortgage process — especially if you’re a first-time homebuyer.
Self-Guided
Handling the mortgage process on your own consists of figuring out the required documentation, completing bank applications, navigating through banks and regulatory policies, and potentially missing out on expert advice.
Time and Effort Saved
We do all the legwork on your behalf, saving you time and effort in researching and contacting banks.
More Time and Effort
You’ll have to do your own research, contact multiple banks, compile and compare between 1,000+ mortgage products to determine the most favorable terms for you.
No Cost to you
Our service is entirely FREE of charge to you, as we receive compensation directly from the banks.
Extra Cost
You may overpay or get overcharged as your mortgage terms may not be as favorable.
Objective Advice
We don’t have a vested interest in promoting one bank over another. We provide impartial advice based on your best interests.
Bank’s Interests
Banks prioritize their products, potentially leading to less objective advice.
Advantages of Availability
We offer extended availability, including evenings and weekends, providing flexibility for client interactions. Ensuring regular updates and prompt responses for a smoother application experience. Live Application Tracking Portal for added convenience.
Availability/Follow up Challenges
Ever faced disappointment trying to reach the bank? It’s a common struggle as banks stick to regular hours, making it tough for busy clients. Less frequent updates mean you might need to nudge them for info, making it a bit tricky to stay in the loop on your application progress.
Frequently Asked Questions
What is a mortgage pre-approval?
A mortgage pre-approval is like getting a green light from a bank before you start looking
for a
home. It means they’ve checked your finances and decided that you’re eligible for a mortgage
up
to a certain amount.
It helps you understand your budget and shows sellers that you’re a serious buyer when
you’re
house hunting. But remember, it’s not a guarantee of a loan; final approval depends on your
chosen property and additional factors.
Do I need pre-approval for a home loan or home finance in the UAE?
While it’s not an absolute requirement, pre-approval is a valuable step that provides financial clarity and confidence in the home-buying process, benefiting both you as the buyer and potential sellers.
Pre-approval is highly recommended for several reasons:
Budget Clarity
Pre-approval helps you understand your budget and the amount you can borrow. It prevents you from searching for homes that are out of your financial reach.
Seller Confidence
Sellers often prefer dealing with buyers who have pre-approval because it demonstrates your seriousness and financial capability.
Faster Process
Having pre-approval in place streamlines the home-buying process. When you find the right property, you can move quickly.
Negotiation Power
With pre-approval, you can negotiate confidently, knowing that you have the financial backing to complete the purchase.
Interest Rate Lock
Some lenders may allow you to lock in an interest rate for a specific period with pre-approval.
How long is a mortgage pre-approval valid for?
A mortgage pre-approval In the UAE is typically valid for around 30 to 60 days.
This means you have this amount of time to find a property and proceed with the mortgage
application before you may need to reapply or renew the pre-approval
What should I keep in mind when applying for a mortgage or a home loan in the
UAE?
When applying for a home loan or home finance in the UAE, there are several key factors you should keep in mind:
- Lenders in the UAE rely on your credit history to assess your creditworthiness.
- Down payments are usually around 15% (UAE Nationals) – 20% (Expats) of the property’s value.
- Lenders want to see that you have a consistent and reliable source of income.
- Compare interest rates and loan terms from various lenders to find the best deal.
- Choose the mortgage period that best suits your financial situation — usually 15 to 25 years.
- Be prepared to provide necessary legal documents (identity proof, income proof).
- Choose a mortgage broker with a track record of transparent dealings.
- Seek advice from mortgage brokers to ensure you make informed decisions.
Download our exclusive Free Mortgage Guide
Everything you need to know before taking a mortgage.
