Mortgage Brokers in Dubai

Looking for a mortgage in Dubai? Our trusted brokers find the best deals to suit your budget.

Mortgage Advice That Works Around You

Securing a mortgage in Dubai doesn’t need to be complicated. At White & Co, our dedicated in-house mortgage advisors are here to make the process clear, simple, and stress-free. Whether you’re a first-time buyer, an experienced investor, or purchasing from overseas — we’ve got the knowledge and expertise to guide you from start to finish.

We’ll assess your goals, explain your options, and help you find the right mortgage for your needs — all under one roof. No back-and-forth. No delays. Just straight-talking advice from people who genuinely care.

Tailored Solutions, Real Results

No two buyers are the same — and neither are their mortgages. Our advisors take the time to understand your financial situation, future plans, and ideal payment structure. We then match you with the best-fit mortgage products from leading UAE banks, ensuring you get great rates, flexible terms, and a solution that truly works for you.

With White & Co, you don’t just get a mortgage — you get a team focused on helping you move forward with clarity and confidence.

What You Get With Us?

From finding the right lender to securing the best rates, we make the mortgage process simple. At White & Co, our in-house experts guide you every step of the way.

In-House Experts

Our dedicated mortgage advisors are part of the White & Co team — working closely with our agents to support you.

Access to Leading Banks

We’ll compare mortgage products across top UAE lenders to find the most competitive rates and terms for you.

Fast Pre-Approvals

We help you get pre-approved quickly, so you can search with certainty and make strong offers when it counts.

End-to-End Support

From paperwork to approvals and everything in between, we handle the process so you don’t have to.

One Team, One Seamless Process

Because our mortgage advisors are part of White & Co, they work hand-in-hand with your property agent to make sure everything runs smoothly. No mixed messages, no chasing documents — just a joined-up, professional service that keeps your property journey moving.

We’re not just here to help you find the perfect property — we’re here to help you secure it with the right financial support.

Mortgage FAQs

Arranging a mortgage can be complicated and time-consuming, so it’s best to work with a broker who understands the financial implications, technical jargon, and the appropriate procedures to follow in Dubai. Your mortgage broker’s connections will be very beneficial in Dubai, as solid working relationships with money lenders are required to get the best deals.

Considering that not all banks and building societies can provide such low rates, working with a mortgage broker in Dubai with a vast network of contacts could be your best option. To save you the time and hassle of negotiating, your broker will approach each lender on your behalf.

For properties financed by a mortgage or home loan, you must pay a Mortgage Registration Fee to the DLD (0.25% of the mortgage amount value plus AED 290 in administrative costs). Your property brokers may charge a 2% agency fee, which is negotiable. Mortgage brokers provide rates ranging from 0.4% to 1%. The amount mortgage brokers charge varies, but if they are independent, it is unusual for them not to charge a fee.
The standard approval time for a mortgage is 2 to 6 weeks. On average, you should wait up to two weeks while the mortgage lender surveys the property and underwrites your loan.
Your income and liabilities primarily determine the amount you can borrow. The maximum loan-to-value (LTV) for an expat is 80%, and the maximum LTV for a UAE national is 85% for properties priced under AED 5 million. This drops to 70% LTV for expats and 75% LTV for UAE citizens for properties over AED 5 million.

Depending on your specific circumstances, different documents may be required, but mortgage brokers can review this with you.

For your mortgage, the following paperwork is typically needed:

  • Copy of your passport, visa and Emirates ID
  • Salary certificate
  • Last six months’ pay slips and bank statements
  • Latest credit card statements
  • Proof of your current address – a copy of the DEWA bill or tenancy agreement