Home purchase & pre-approval
Start your search with a clearer buying position.
Build a realistic budget, assess your eligibility and secure a pre-approval before the right property appears.
Discuss your purchaseIndependent mortgage advice · Dubai, UAE
Your mortgage, on your terms.
Clear, whole-of-market guidance for Dubai home buyers, expats and investors. ASK Mortgage Advisor works for you—not a bank—from first numbers to keys in hand.
Free initial consultation UAE residents & overseas buyers
Advice before applications
Understand affordability, deposit and lender options before you commit.
What to expect
Straight answers. Steady support.
Independent first
Recommendations shaped by your goals, not a single bank’s sales target.
Numbers made clear
We explain LTV, DBR, deposits, rates and fees in plain language.
With you to completion
One considered process, from the first call through valuation and handover.
Mortgage solutions
Find the right route to your next property.
Whether you are buying your first Dubai home, growing an investment portfolio or revisiting an existing loan, we help you move forward with context and confidence.
Investment finance
Buy-to-let & overseas buyers
Explore funding for rental properties, portfolio purchases and non-resident investment in Dubai.
Existing owners
Refinance, buyout & equity release
Review your current rate, switch intelligently or access equity where it suits your plans.
Finance that fits
Conventional or Islamic options
Compare Sharia-compliant and conventional structures with a clear view of the commitments involved.
Useful benchmarks
Know the framework before you fall in love with a property.
50%
DBR ceiling*
20%
Expats’ deposit*
*Indicative UAE lending considerations. Eligibility, LTV, rates and deposit requirements depend on lender, property and personal circumstances.
How it works
A calm, visible path from enquiry to completion.
You will always know what is happening next, what is needed from you and why it matters.
- 01
Free consultation
- 02
Eligibility & affordability
- 03
Pre-approval
- 04
Compare bank offers
- 05
Full application & valuation
- 06
Completion
Questions, answered
Mortgage advice should not feel mysterious.
Bring your circumstances to a free consultation and we will help make the important details understandable.
Can expats get a mortgage in Dubai?
Many expats can be eligible, subject to income, employment or business profile, deposit, property type and each lender’s criteria. We will assess your position before you begin.
How much deposit do I need?
Deposit requirements vary. Expat buyers commonly need from 20% for eligible purchases, with additional funds needed for applicable fees. We will map out the full cash requirement.
What is DBR?
Debt Burden Ratio measures how much of your income goes toward monthly debt commitments. UAE lending guidelines can allow DBR up to 50%, subject to the lender and your circumstances.
Do you work with Islamic mortgage options?
Yes. We can help you understand Sharia-compliant home finance alongside conventional mortgage options, so you can compare the structure that is right for you.
Start with a conversation
Make your next mortgage decision a considered one.
Book a free, no-obligation consultation to discuss your purchase, investment or refinance plans. We will outline the most useful next step.