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Home Ownership

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Why choose AFFLUENT Concierge
for your mortgage needs?

Faster pre-approvals

We understand that time is of the essence. Get pre-approvals within 2 minutes, so that you never lose your dream home.

Tailored for you

We have long-standing relationships with banks. This’ll allow us to secure tailored home loans rather than a one-size-fits-all solution.

End-to-end support

Our mortgage advisors are always available for you. We know how complicated home loans can get, we are here to guide you any time you need.

All free of charge

We have partnered with over 18 leading banks to offer you the best mortgage options, with no fees or commissions charged to you.
UAE Mortgage Calculator

UAE Mortgage Calculator

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Mortgage products

Explore Our Tailored Mortgage solutions for every homebuyer

Discover flexible and competitive mortgage solutions designed to match your goals. Whether buying, upgrading, or investing, we simplify your home financing journey in the UAE.

New Mortgage

Secure up to 85% financing for UAE Nationals and up to 80% for Expat residents and the best home loan options in UAE with competitive interest rates.

Handover Pament

Near-handover and Handover payments can be a nerve-wracking experience. Let us do the heavy lifting for you. Instead of paying the full handover amount from savings, buyers can opt for a mortgage to cover this cost, making it easier to manage the financial burden.

Mortgage Buyout

If you currently have a mortgage and are looking to switch to a different lender for better rates or conditions, a mortgage buyout may be the solution for you. This process involves settling your existing loan and replacing it with a new loan from a different bank that offers more favourable terms.

Equity Release

Unlock 70% loan against your property Equity release is a type of loan secured against your property, allowing you to borrow against its current market value. The released funds can be used for various purposes, such as property renovations, business investments, paying off debts, or even purchasing another property.

Non-Resident Mortgage

Get up to 60% funding of the property value with non-resident mortgages in Dubai and the UAE based on your income in your home country.

Commercial Mortgage

A commercial mortgage in the UAE is a loan specifically designed for businesses to purchase, refinance, or develop commercial properties like office buildings, retail spaces, warehouses, or industrial facilities. Unlike residential mortgages, these are tailored to the unique needs of businesses and have different terms and requirements.

Property Concierge

This service allows you to appoint us as your dedicated concierge and we’ll help you shortlist/ finalise the right property based on your requirements. This service can be availed at a nominal fee. Reach out to us to know more

Eligibility

Check your Eligibility

The UAE has one of the most generous eligibility criteria when it comes to mortgages. To start your mortgage process, here are a few things for you to check before proceeding further:

Nationality

UAE Nationals, Residents, and even Non-Residents are eligible

Age

Minimum age 21
Maximum age for UAE
Nationals / Self Employed
UAE Residents 70
Maximum age for Salaried* 65

Minimum income

For salaried individuals:
UAE Nationals AED 10,000/ Month
Expats AED 15,000/ Month

If salary is under the minimum requirement credit score should be 680+

For self-employed individuals:
Income of AED 25,000 / Month

For Non-Residents:
Income of AED 30,000/ Month

Credit score

A good credit score is important to successfully secure a mortgage in the UAE. Generally, a credit score of 700 or higher, makes you a strong candidate to get a mortgage.

Mortgage providers also offer loans to people with credit scores ranging from 400 to 700 points. However, buyers in this category may get higher mortgage interest rates.


Easy Steps

To owning your home in the UAE.

Owning a home in the UAE is simpler than you think — with our expert guidance, transparent process, and customized mortgage solutions, we walk you through every step from application to moving in.

 

Documentation Checklist

General Documents:

Emirates ID Copy
Passport Copy
Visa Copy
Proof of residence (Ejari or electricity bill)
6 months bank statements

Additional documents for salaried individuals:

salary certificate
6 months payslip

Additional documents for self-employed individuals:

Valid trade licence copy
Memorandum of Association, including all amendments
Last 2-years audited financials
Last 4-quarter VAT returns
VAT registration certificate

Want to learn about mortgages in more detail? Refer to our FAQ’s

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