UAE Mortgage Broker Services: Buy, Refinance, Invest | WayzFinder
EIBOR rates as of 22 July 2026: Overnight 3.43%, 1 Week 3.60%, 1 Month 3.78%, 3 Months 3.80%, 6 Months 3.89%, 1 Year 4.15%. Source: Central Bank of the UAE.
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Mortgage broker services in the UAE

Six ways we get you to the right mortgage, from your first home to refinancing, investing or Islamic finance. One advisor compares 20+ UAE banks for you and handles the paperwork.

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  • 5.0 on Google
  • Central Bank regulated
  • Zero broker fee to buyers

Home purchase finance

Financing for your first home, or your next one.

Whether you're buying a ready unit for immediate handover or an off-plan property still under construction, WayzFinder structures the mortgage application so it moves through underwriting quickly and lands with a bank genuinely competing for your business, not simply the first one to say yes.

Residents & non-residents Ready & off-plan

Ready-property mortgages

Standard purchase finance for completed units, with valuation and disbursement coordinated directly with the seller's bank or developer.

Off-plan & staged payment plans

Mortgage structuring that aligns with developer payment schedules, including post-handover payment plan transitions.

Fixed, variable, and hybrid rate options

We shortlist across rate structures based on how long you plan to hold the property, not just the lowest headline number.

Typical documents needed
  • Passport & UAE visa copy, Emirates ID
  • Salary certificate or trade license (self-employed)
  • 6 months' personal bank statements
  • Memorandum of Understanding (MoU) / reservation form for the property
Estimate my payment Talk to an advisor

Refinancing & buyout

Move off a legacy rate without losing momentum.

If your existing mortgage was arranged years ago, there's a good chance a better structure now exists elsewhere. We handle the full buyout process between your current bank and the new one, so there's no lapse in cover and no scramble at settlement.

Rate switch in ~3 weeks Equity release available

Liability letter coordination

We request and manage the liability letter from your existing bank so the new lender has everything needed without back-and-forth delays.

Equity release

If your property has appreciated, refinancing can release equity for renovation, investment, or other financing needs, within UAE Central Bank loan-to-value limits.

Early-settlement cost comparison

We calculate whether the early-settlement fee on your current mortgage is actually offset by the new rate before recommending a switch.

Typical documents needed
  • Existing mortgage statement & liability letter
  • Title deed copy
  • Updated salary certificate or trade license
  • 6 months' bank statements
Compare my current rate Talk to an advisor

Investor & portfolio finance

Built for buyers who don't stop at one property.

As your portfolio grows, so does the complexity of qualifying for each new facility: rental income treatment, existing liability exposure, and lender concentration limits all start to matter. We structure each application with the next one already in mind.

Up to 5 concurrent facilities Rental-income qualification

Rental-income qualification

We package tenancy contracts and rental yield data so banks credit a realistic share of rental income toward your affordability.

Lender diversification strategy

Spreading facilities across multiple banks avoids single-lender concentration limits that can cap how much you're able to borrow overall.

Corporate & SPV structuring

For investors holding property through a company structure, we coordinate with lenders that accept SPV or corporate ownership models.

Typical documents needed
  • Existing tenancy contracts (Ejari) for rental income
  • Portfolio summary of currently owned properties
  • Liability letters for all existing facilities
  • Company documents (if purchasing via SPV)
Discuss my portfolio Model a new facility

Pre-approval & budgeting

Walk into a viewing already bank-ready.

A mortgage pre-approval letter tells agents, sellers, and developers you're a serious, fundable buyer before you've even made an offer. We turn most resident applications around in 48 hours, with a clear budget ceiling so you're only viewing properties you can actually finance.

Typically 48 hours Valid 60–90 days

Bank-ready pre-approval letter

A formal letter stating your approved borrowing amount, accepted by agents and developers as proof of funding capacity.

Realistic budget ceiling

We calculate affordability against UAE Central Bank debt-burden-ratio rules, so the number you're given holds up in underwriting.

No impact on your credit score

Initial eligibility checks are soft checks. Your credit file isn't affected until you choose to proceed with a full application.

Typical documents needed
  • Passport, visa copy & Emirates ID
  • Salary certificate or trade license
  • 3–6 months' bank statements
Check my eligibility Request pre-approval

Islamic (Sharia) finance

Sharia-compliant structures, arranged the same way.

For buyers who need a facility free of conventional interest, we work with UAE Islamic banking partners on Ijara (lease-to-own) and Murabaha (cost-plus-profit sale) structures, comparing them with the same rigor we apply to conventional mortgages.

4 partner Islamic banks Ijara & Murabaha

Ijara (lease-to-own)

The bank purchases the property and leases it to you, with ownership transferring progressively as you make payments.

Murabaha (cost-plus-profit sale)

The bank buys the property and sells it to you at an agreed profit margin, repaid in fixed installments over the term.

Sharia board-certified partners

Every Islamic finance partner we work with maintains an independent Sharia supervisory board certifying the structure.

Typical documents needed
  • Passport, visa copy & Emirates ID
  • Salary certificate or trade license
  • 6 months' bank statements
  • Property MoU / reservation form
Ask about Islamic finance Estimate a Murabaha payment

Life-of-loan support

We don't disappear after drawdown.

Most brokerages consider the job done once your mortgage is disbursed. WayzFinder stays attached to the file: reviewing your rate annually, flagging when a better structure becomes available, and reminding you well ahead of any fixed-rate expiry or renewal date.

Included, no extra cost Annual rate review

Annual rate reviews

Once a year, we re-check your mortgage against current market offers and flag it if a refinance would clearly be worthwhile.

Early-settlement guidance

If you're considering paying off your mortgage early, we help you weigh the settlement fee against the interest you'd save.

Renewal & fixed-rate expiry reminders

We track your fixed-rate expiry date and reach out ahead of time, so you're never defaulted onto a bank's standard variable rate by surprise.

What we need from you
  • Nothing upfront: we track your facility from our side
  • A quick confirmation call when your review is due
  • Updated documents only if you choose to refinance
Set up a rate review Read the FAQ

Business & corporate financial services.

Alongside our core mortgage services above, WayzFinder also arranges financing and account solutions for businesses and corporates in the UAE.

Corporate account opening

Guidance and bank introductions for opening a UAE corporate account, matched to your business activity and structure.

Business loans

Financing for established UAE businesses to fund growth, working capital, or new equipment, matched to a lender suited to your industry.

Corporate loans

Larger-scale financing structured for corporates and holding companies, including facilities secured against business assets or cash flow.

POS machine loans

Financing against point-of-sale transaction history, a fast option for retail and F&B businesses needing working capital without new collateral.

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Rated 5.0 on Google.

What our clients say once their mortgage is arranged, word for word.

The staff was professional, friendly, and always ready to help. Their service was efficient and reliable. I highly recommend for their excellent customer service
Narmin JavadovaGoogle review
Friendly and knowledgeable people at Wayzfinder. Handled my query, and guided me through the entire process with sooo much ease. Thank you.
Ann Savina DevasiaGoogle review
Great experience working with Lithin. Very responsive and proactive team.
Nitin Navish GuptaGoogle review
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Not sure which service fits you?

Tell us what you're buying or refinancing. One short call is usually enough to know which banks will say yes, and roughly how much you can borrow.

Get pre-approved Call +971 52 866 0996 WhatsApp us Monday to Saturday, 9:00 to 20:00