Service
Mortgage assistance
Guidance on UAE property finance: what lenders look for, how to prepare, and how financing fits the rest of your plan, with regulated advice from an appropriately authorised provider.
- Delivery
- Through an authorised provider
What it is
A mortgage is a loan secured on the property. In the UAE, lenders assess the borrower, the property and the structure, and set limits on how much they will lend relative to the value and your income.
Nucleus helps you understand the landscape and prepare, and introduces you to an appropriately authorised provider for regulated mortgage advice. We do not lend, arbitrate between lenders or recommend a product.
Who it is for
- Buyers who plan to finance a purchase
- Non-resident buyers who need to understand what lenders may ask of them
- Owners considering refinancing
- Buyers who want finance in place before they make an offer
How this service is delivered
Through an authorised provider
Provided by an independent, appropriately authorised provider. Nucleus coordinates and introduces, and does not present this as a service it is directly licensed to provide. The provider is confirmed to you in writing before you proceed.
Nucleus is not a bank, lender or licensed mortgage adviser. Mortgage guidance is coordinated with an independent, appropriately authorised provider, and the lender contracts with you directly.
How it works
- 01
Conversation
Your situation, residency and what you would like finance to do.
- 02
Preparation
Gathering the documents and understanding the likely questions.
- 03
Introduction
Introduction to an appropriately authorised mortgage adviser.
- 04
Application
You apply with the lender, via your adviser. Nucleus keeps the transaction timeline aligned.
- 05
Completion
Finance, valuation and transfer steps coordinated with your purchase.
How Nucleus helps
Preparation
What lenders typically ask for in terms of income evidence, identification and account history, so you are not caught out.
How finance fits the plan
Deposit, costs and cash flow considered alongside the purchase, not after it.
Introduction to an authorised adviser
Introduction to an independent mortgage adviser who can compare products and give regulated advice.
Timeline alignment
Keeping the finance steps in step with the purchase so deadlines are not missed.
Decisions that matter
How much to borrow
The most a lender will lend and the most you should borrow are different things.
Fixed or variable
Rate structures change your exposure to rate movements. An adviser should explain them for your case.
Early repayment and fees
Understand what you would pay to leave or overpay, and what upfront costs apply.
Residency and non-resident status
Lender criteria can differ for residents and non-residents. Ask early.
Good to know
- Lend money or act as a bank or licensed mortgage adviser
- Recommend a specific lender or product
- Promise approval, a rate or a loan amount
How Nucleus is paid
Any adviser’s fees, and any arrangement between Nucleus and a provider, are disclosed to you in writing before you proceed. No figure is quoted on this page.
Questions people ask
Can you arrange a mortgage for me?
We introduce you to an appropriately authorised adviser, who can give regulated advice and submit applications. The lender contracts with you directly.
Can non-residents get a mortgage?
Sometimes, depending on the lender, the property and your profile. Criteria change, so ask an authorised adviser for your own case.
Should I arrange finance before I look?
Understanding what is realistic early is sensible. Pre-approval can help, but it is not a guarantee and is a matter for the lender.
Related services
- Conveyancing and transaction supportCoordination of the paperwork and parties between agreeing a deal and completing the transfer, so the process stays on track. Read more
Practical guidance
Guides
Mortgages in the UAE: how they work
How UAE home finance generally works: who lenders lend to, what they assess, how residents and non-residents differ, and fixed versus variable rates.
8 min read
Dubai property buying costs: fees and charges explained
What it costs to buy property in Dubai on top of the price: the 4% DLD transfer fee, trustee and title deed fees, agency commission, mortgage fees and ongoing service charges.
6 min read
Sources
- 01Regulations regarding mortgage loansCentral Bank of the UAE
- 02Dubai Land Department — official services and informationDubai Land Department
- 03Nucleus editorial reviewNucleus Properties
Advisory
Understand your financing options.
Eligibility, deposit, costs and structure — explained before you apply.