Best Mortgage broker in dubai-UAE
We are your friendly and trusted mortgage consultancy specialized in residential and commercial property financing in the United Arab Emirates.
Planning to apply for a mortgage?
We review and accept business requests on a 24/7 basis
We work for you, not the banks!
Capital Zone Mortgage Brokers established itself to assist homebuyers in their mortgage journey.
Our knowledgeable mortgage brokers offer sage advice when you’re purchasing property. They advise on the most suitable bank for your needs, leveraging their partnerships with several banks developed over the years.
Best mortgage broker in dubai
Required Documents To Apply for a mortgage in dubai
Personal Documentation
- Emirates ID, Passport & Visa
Salaried employee:
- Latest salary certificate
- Latest pay slips
- Any additional bank statements from the last 6 months
Self-employed:
- Valid Trade License copy
- MOA (Memorandum of Association) including all amendments
- Bank statements from the last 6 months
- Audited financials from the last 2 years
Identical documentation for co-borrowers (if applicable)
bEST Mortgage broker in dubai
How to get Approved?
Wondering how it all works? Here are few criteria we take into action.
- Down Payment - Your down payment is your first stake in your new home
- Credit Score - The better your score, the more likely you are to get a great interest rate
- Employment History - A steady work history tells us how you well you will be able to meet your mortgage
- Debt Burden Ratio - Ratio helps us determine how much mortgage you can afford
Down Payment
Employment History
Credit Score
Debt Burden Ratio
Benefits of using a mortgage broker in dubai - UAE
When you’re making such an important decision, it’s recommended to consult with a top mortgage broker in Dubai for expert guidance. They have the knowledge and experience to assist you every step of the way.
Time and money are crucial in life, and hiring a mortgage broker can help you save both! A professional broker understands your needs and can find the best solutions, potentially saving you thousands of dollars in upfront costs and throughout your loan.
Mortgage brokers have access to a wide range of products and services that can save you money. They do a lot of business with banks, which means they can often get deals like no processing fees and lower interest rates.
A skilled mortgage broker in Dubai will communicate with all the banks on your behalf. Their established relationships with banks help them negotiate the best deal for you, making the process smooth and stress-free.
- We’ll evaluate all available products in the market and short list the most suitable options for you
- We’ll coordinate all necessary documents, secure your mortgage pre-approval, and complete your bank application forms.
- We’ll handle all bank interactions, and co-coordinate the property valuation and mandatory life insurance.
- Once the mortgage is secured, we’ll coordinate the property transfer. We even provide advice after settlement.
Why we are the best Mortgage Broker in Dubai?
Mortgage Rates In The UAE
Not Sure Which one to Choose? Contact us to find out which mortgage is right for you!
Mortgage Calculator
Calculate how much you can afford to borrow with our easy to use mortgage calculator
Our Mortgage Services
We will be glad to provide you with the most optimal solution either for your mortgage or money loans matters.
New Purchase
Whether It's your first or second mortgage we are here to help you to get the best possible rates and conditions and guide you through the whole process of getting the new property.
Equity Release
Releasing equity from your property can be a good idea to renovate your property or fund another purchase. You can avail up to 70%-80% loan to value of your existing property.
Re-Mortgage
Refinancing your home is simply getting a better mortgage deal to replace the original mortgage. Refinancing is done to allow a borrower get a better rate to save on interest.
Non-Resident Mortgage
Non resident can get up to 65% loan to value for purchasing a property in the UAE.
Loans Against Rental Income
The rental income can be used along with other income, such as your salary to increase your borrowing power or else mortgage out of the rental income purely are also available.
Under Construction & Off Plan
Arrange up to 50% loan to value (LTV) for the off plan or under construction property. The LTV can be increased after the handover.
Commercial & Building Finance
We also assist our clients in planning and arranging finance for residential as well as commercial developments.
Construction & Land Financing
When you own a piece of land, you can build a space that is uniquely yours, We help to acquire the land for you so that you can start turning your dream into reality.
Our Banking Partners
We work with more than 15 different lenders to get you the best mortgage in the UAE!
Follow us on social media!
Follow Us on Social Media – Keep up to date with all our latest services, special mortgage rates and many more
Checkout Our latest Blogs & Mortgage News
Capital Zone Mortgage news and articles on the UAE Mortgage market
Impact of Credit Score on your Mortgage Application
A credit score is a number between 300 and 900 that evaluates how trustworthy you are with credit. A higher score increases your chances of
Understanding Equity and Equity Release
In the dynamic landscape of personal finance in the UAE, leveraging equity and exploring equity release options can provide significant opportunities for individuals looking to
Loan Against Property in UAE
What is a Loan Against Property?A loan against property involves using your property as collateral to obtain financing. Typically, you can borrow up to 120%
Your Guide to Commercial Mortgages in Dubai
Dubai is well-known for its thriving economy and robust business environment, making it an attractive destination for entrepreneurs and businesses looking to expand. One of
Understanding DBR and its impact on Mortgage
The Debt Burden Ratio (DBR) is a key figure that lenders evaluate when determining if a loan applicant qualifies for a loan. Although each bank
5 Questions a good Mortgage Broker can answer.
1. Should You Apply for a Mortgage Before or After Finding a House? Many people think that applying for a mortgage is something to tackle
Own Your Dream home today!
Our excellent mortgage brokers in Dubai will help you to secure the best mortgage deals in the UAE whether you’re a first time buyer, re-mortgaging your home or constructing your own villa. We will help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest mortgage advices.
Frequently Asked Questions
A conventional mortgage is where your loan repayments will include paying a rate of interest to the bank, this is their profit for lending you the funds.
An Islamic mortgage differs from a conventional mortgage because under Shariah Law it is forbidden to charge interest on a loan, so in this case banks will buy the property on your behalf and rent or lease it back to you for a profit.
This depends on your occupation. Salaried candidates will usually have to endure 1 week until approval, whereas self-employed candidates may have to endure a longer period.
Yes, they can, although the conditions and possible charges will be different for non-residents.
Your credit limit is determined by your present income and liabilities. Depending on the bank, this may change.
EIBOR is the Emirates Interbank Offered Rate, which is the rate at which banks lend to each other. EIBOR rates change daily and can be checked on the Central Bank website here
The minimum down payment for a property under AED 5million is 20% for an expat or 15% for a UAE national. The minimum down payment for a property over AED 5million is 30% for an expat or 25% for a UAE national.
