Financing your Dubai home, thoughtfully arranged
Independent advice across more than twenty UAE banks, with one adviser beside you from first conversation to keys.
Mortgage advice, made simple
Our mortgage team helps you navigate the market with clarity and confidence. We translate banking terms, compare real options across leading UAE lenders and coordinate every step, so your financing never holds up your move.
Whether you are buying your first home, relocating to Dubai or adding to a portfolio, you deal with one senior adviser throughout.
Book a consultationTrusted by the UAE’s leading lenders
Estimate your monthly repayment
- Loan amount
- AED 1,600,000
- Down payment
- AED 400,000
- DLD & registration fees
- AED 84,000
- Cash needed upfront
- AED 484,000
*Indicative only. Fees shown are the 4% DLD transfer fee and 0.25% mortgage registration; bank, valuation and trustee fees are additional.
A complete mortgage service
The right structure, from the right lender
Personalised borrowing plan
We review your goals, budget and timeline to outline fixed, variable, offset and Sharia-compliant options.
Market-wide lender comparison
Competitive rates, fees and terms from multiple banks, not just one, so you can choose with confidence.
Ready to offer, with no surprises
Pre-approval, fast-tracked
We assemble and submit your documents and guide you on eligibility to secure a strong pre-approval before you make an offer.
Clear costs and timelines
From valuation and arrangement fees to insurance and transfer costs, we map out what is due and when.
Seen through to the keys
End-to-end coordination
We liaise with the bank, developer or seller and conveyancer to keep your file moving and your milestones on track.
Specialist scenarios
First-time buyers, non-residents, self-employed income, investors, off-plan purchases, refinancing and equity release.
What our clients say
I had a really great experience buying my property through the Apricity. From the beginning, everything felt straightforward and I always felt like I was in good hands. I especially want to mention Conor, who was fantastic throughout the whole process. He put in a huge amount of effort to help get everything over the line and was always there whenever I had a question or needed some help. He genuinely went above and beyond, and I really appreciated how hard he worked to make the whole experience as smooth and stress-free as possible. It’s not often you come across someone who is that committed and helpful, and I’m very grateful for all of Conor’s help. I’d have no hesitation recommending him and the agency to anyone looking to buy a property.
★★★★★ Rated 5.0 on Google · Read all reviews on Google
From first call to keys
- STEP 01
Consultation
We understand your income, budget and the property you have in mind.
- STEP 02
Pre-approval
We compare lenders and secure your pre-approval, often within 24 hours.
- STEP 03
Valuation and offer
The bank values the property and issues your final offer letter.
- STEP 04
Transfer and keys
We coordinate the NOC, cheques and transfer so completion runs smoothly.
Frequently asked
How does Apricity help with mortgage affordability?
Our advisers calculate what you can borrow based on your income, employment type, nationality and credit history, then match you with the banks most likely to offer the best terms. We work with over 20 lenders in Dubai.
What makes Apricity’s mortgage service different?
You get independent advice across more than 20 UAE banks, rates from 3.75% and pre-approval often within 24 hours, with one senior adviser from your first conversation to the keys. We have financed more than 500 homes in Dubai.
Can non-residents get a mortgage in Dubai?
Yes. Non-residents can get a mortgage in Dubai, though terms differ from resident loans: down payments are typically higher (25 to 50%) and rates can vary. We work with the banks that lend to international buyers and prepare your documents to their requirements.
Can housing allowances and bonuses be included?
Often, yes. Many Dubai banks count housing allowances and regular, documented bonuses as income, typically 50 to 100% of a housing allowance and 30 to 50% of bonuses. We match you with the banks that treat your income most favourably and make sure it is documented the way they need.
Why do banks ask for security cheques?
UAE banks usually ask for one or more signed security cheques when they issue a mortgage. They are held as security against the loan, presented only if repayments are missed, and returned when the mortgage is repaid or moved to another bank. We explain what each lender asks for before you sign.
What is an NOC and when is it required?
A No Objection Certificate (NOC) is issued by the developer to confirm there are no outstanding service charges or other objections to a sale. It is needed before ownership can transfer at the Dubai Land Department, including when the buyer uses a mortgage. We coordinate it with the developer, seller and bank so it is ready for the transfer date.
Is mortgage protection insurance available?
Yes. Mortgage protection insurance in the UAE covers your repayments in case of death or serious illness, and banks usually require life cover for the loan amount along with property insurance. We help you compare the bank’s cover with independent policies and choose the right level.
How do you handle off-plan financing?
Most UAE banks lend on off-plan homes only once construction is well advanced or complete, so the early instalments are usually paid through the developer’s payment plan, with a mortgage arranged for the balance at handover. We plan your financing around the payment schedule and secure pre-approval ahead of handover.
Begin with a conversation
No obligation. Share a few details and our mortgage team will reply within one working day.