Calculator
DBR Calculator
Good to know: your DBR isn't permanent, it's calculated from your current income and current debts, and it changes whenever either does.
5% of your total credit card limit is counted as debt here, in line with standard UAE bank practice. The UAE Central Bank caps DBR at 50% of gross income (CBUAE Rulebook, Article 3), though banks may also stress-test your file against a higher interest rate and weigh your specific circumstances before final approval.
One advisor, every UAE lender.
Whatever stage you're at, first home, refinance, or building a portfolio, we structure the file so banks compete for it, not the other way around.
Home purchase finance
End-to-end arrangement for ready and off-plan properties, from term sheet comparison to final disbursement.
Residents & non-residentsRefinancing & buyout
Move off a legacy rate or release equity, with a clean handover between banks and no payment gap.
Rate switch in ~3 weeksInvestor & portfolio finance
Structuring for multiple units, rental-income qualification, and lender diversification as your portfolio grows.
Up to 5 concurrent facilitiesPre-approval & budgeting
A bank-ready pre-approval letter before you make an offer, so agents and sellers take you seriously.
Typically 48 hoursIslamic (Sharia) finance
Ijara and Murabaha structures through our Islamic banking partners, for those who need a Sharia-compliant facility.
4 partner Islamic banksLife-of-loan support
We stay on the file after drawdown: annual rate reviews, early-settlement guidance, and renewal reminders.
Included, no extra costYour 3 Step path to a Mortgage
Mortgages made simple in three easy steps.
Discover Your Path to Mortgage Approval
When you begin your mortgage journey with us, we'll assess your financial situation, including your income, credit, and current debt, to determine the loan options available to you. This helps us show you exactly where you stand and what steps you need to take to move closer to mortgage approval.
We'll help you navigate the application
Navigating the application process involves more than just filling out forms – it's about understanding the requirements, gathering the right documentation, and ensuring that you're putting your best foot forward to secure the best possible outcome.
We'll help you land that mortgage
Navigating the world of mortgages can be complex, but we're here to make it simple, clear, and stress-free. Our dedicated mortgage specialists work with you every step of the way, ensuring you find the perfect loan for your needs and budget.
A broker that's paid to work for you, not the bank.
Whole-of-market comparison
We're not tied to one bank. Every recommendation is checked against 20+ lender panels first.
Fast, honest turnaround
Clear timelines at each stage, and we tell you early if a lender isn't going to work, not after weeks of waiting.
Zero cost to you
Our fee is paid by the lender on drawdown in almost all cases, so you get the same or better rate than going direct.
Told to their own agents, not to us.
Talk to an advisor before your next viewing.
A 15-minute call is usually enough to tell you what you can borrow, and from whom, before you're standing in a property you can't finance.
Tell us what you're financing.
Share a few details and an advisor will call within one business day with a shortlist of banks likely to approve your file.
Mortgage guides worth reading before you apply.
Practical, plain-English articles on UAE mortgages, written by our own brokerage team.
A First-Time Buyer's Guide to Getting a Mortgage in the UAE
Fixed vs Variable Mortgage Rates in the UAE: Which Should You Choose?
How Much Deposit Do You Need to Buy Property in Dubai?
Mortgage Pre-Approval in the UAE: Why It Matters and How to Get One Fast
Can Non-Residents Get a Mortgage in the UAE? A Complete Guide
