UAE Mortgage & Property Advisory

Your home.
Our commitment.

Expert mortgage advisory and sales progression for UAE nationals, residents, expats and international investors, guided end to end, every day of the year.

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365d
Available
Year-Round
Full.
UAE Lender
Panel Access
End→
To-End
Management
0%
Hidden
Fees
Dubai skyline at sunset Dubai Frame overlooking the city skyline Burj Al Arab on the Dubai coastline
365 days a year
Your advisor never goes off-duty
Dubai Land Department Registered
Full Mortgage Panel Access
End-to-End Transaction Management
Available 365 Days a Year

What We Do

Two services.
One trusted team.

From securing your mortgage to managing your sale through to completion. We own the process, so you don't have to.

01
Mortgage Advisory

Independent mortgage advice across the full UAE lender panel. We find the right product, at the right rate, for your specific situation, whether you're a first-time buyer, investor, or refinancing an existing property.

→
02
Sales Progression Management

Once your offer is accepted, the real complexity begins. We coordinate all parties (agents, solicitors, lenders, developers and the DLD) to keep your transaction on track from exchange to handover.

→

Who We Serve

Built for everyone
buying property in the UAE.

01
UAE Nationals & Citizens

Local lenders, government schemes, and preferential rates. We know the full landscape and deliver results.

02
UAE Residents & Expats

Navigating UAE mortgages as an expat is complex. We clarify eligibility, process, and protect your interests throughout.

03
Overseas Investors

Invest in UAE property from anywhere in the world. We manage every step remotely, from approval to DLD transfer.

04
Buyers & Sellers

Whether buying or selling, our sales progression service ensures your transaction completes on time, with zero surprises.

How It Works

Five steps to your keys.

1
Free Consultation

We assess your situation, goals, and eligibility with no obligation.

2
Mortgage Recommendation

We search the full UAE lender panel and present the best options.

3
Application Submission

We prepare and submit your full application, managing all correspondence.

4
Sales Progression

We coordinate all parties to keep your transaction on track.

5
Completion & Handover

DLD registration, final checks, and key handover. Done.

Ready to Start?

Your home journey
starts with one call.

"Your home. Our commitment. Every day of the year."

Book Free Consultation Calculate Your Mortgage

About 365 Mortgages

We exist to make UAE property ownership possible, for everyone.

A premium mortgage consultancy born from the belief that every person deserves expert, honest guidance when making the most significant financial decision of their life.

Our Story

"Buying property in the UAE should be an exciting milestone, not a stressful ordeal."

365 Mortgages was founded with one clear purpose: to bring transparency, expertise, and genuine human care to the UAE mortgage market. We recognised that too many buyers (nationals, expats, and overseas investors alike) were navigating an opaque, complex process without a trusted guide in their corner.

We built 365 Mortgages to be that guide. Available every day of the year, with deep UAE-specific knowledge and an unwavering commitment to our clients' best interests. Not just at the moment of approval, but throughout the entire journey, from the first consultation to the final key handover.

The name says it all. We are here 365 days a year. Your timeline, your terms, your outcome.

Our Values

What drives everything we do

  • I
    Reliability, 365 days
    We are available, responsive and consistent, not just at signing, but every single day of your property journey.
  • II
    Radical transparency
    No hidden fees. No vague timelines. Our clients always know exactly where their transaction stands and what comes next.
  • III
    UAE-specialist expertise
    Deep knowledge of DLD processes, local lender panels, RERA regulations, and the full expat ownership landscape.
  • IV
    Universal inclusion
    UAE nationals, residents, expats and overseas investors, all served with the same rigour, expertise, and personal care.

Our Mission

Premium. Reliable. Human.

Premium Quality

We operate at the quality tier of the UAE property market. Every client interaction, every piece of advice, and every transaction reflects the standard we hold ourselves to.

Unmatched Reliability

365 days availability is not a marketing phrase. It is our operational commitment. Property transactions don't pause for weekends, and neither do we.

Genuinely Human

Unlike corporate conveyancers, we are approachable, personal, and client-first. We treat every transaction as if it were our own property purchase.

The 365 Difference

Why clients choose us

Independence
We work for you, not the lender

As independent advisors, our recommendations are based entirely on what is best for your circumstances, not on commission arrangements or referral incentives.

Full Panel Access
Every UAE lender. One expert team.

We have access to the full UAE mortgage market (major banks, specialist lenders, and exclusive products not available direct), ensuring you always get the best available rate.

End-to-End Service
From first call to final key

Most mortgage brokers hand over once the offer is issued. We stay with you through the entire sales progression, coordinating all parties until completion.

Expat Specialists
UAE market knowledge, globally minded

We understand the specific challenges facing expats and overseas investors in the UAE (from residency requirements to remote transaction management), and we resolve them.

Ready to Begin?

Meet the team behind your mortgage.

"One number. One team. Complete ownership: first call to final key."

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Our Services

Two services that cover every stage of your property transaction.

From securing the best mortgage to managing your sale through to completion. We are with you every step of the way.

01

Core Service

Mortgage Advisory

Independent, whole-of-market mortgage advice for the UAE. We search every major bank and specialist lender to find the mortgage that is right for you, not just what is easy to place.

Whether you are a first-time buyer, purchasing an investment property, refinancing, or buying from overseas, we guide you through the UAE's mortgage landscape with complete clarity and no hidden agenda.

  • Whole-of-market lender search across all UAE banks
  • Mortgage eligibility assessment and pre-approval management
  • Rate comparison: fixed, variable, and capped products
  • Full application preparation and submission
  • Lender liaison throughout the underwriting process
  • Remortgage and product transfer advisory
  • Buy-to-let and investment property financing
Get Mortgage Advice
Why independent advice matters in the UAE

Going directly to a bank means you only see their products. Going through 365 Mortgages means you see the entire market, and we negotiate on your behalf. In a market where rate differences of 0.5% can mean tens of thousands of dirhams over the life of a mortgage, independent advice pays for itself.

Resident Mortgages
  • UAE nationals & GCC citizens
  • Resident expats on employment visa
  • Self-employed UAE residents
  • Up to 80% LTV available
  • Power of Attorney arrangements
  • Property gifting & transfers
Non-Resident Mortgages
  • Overseas buyers & investors
  • Remote transaction management
  • Up to 50–60% LTV available
  • Power of Attorney options
What makes a transaction fall through?

In the UAE, the majority of failed property transactions collapse not at the offer stage, but during the conveyancing period, caused by poor communication, missed deadlines, or uncoordinated parties. Sales Progression Management eliminates this risk entirely. We are the single point of accountability for your entire transaction.

What we coordinate

  • Real estate agents (buyer and seller side)
  • Mortgage lenders and underwriting teams
  • Dubai Land Department (DLD) registration
  • Developer NOC and handover teams
  • Legal representatives and NOC departments
  • Surveying and snagging inspections
02

Core Service

Sales Progression Management

Once an offer is accepted, the real complexity of a UAE property transaction begins. Multiple parties, tight timelines, DLD registration, NOC requirements, mortgage conditions, and developer processes, all running simultaneously.

Our Sales Progression service puts one expert in charge of the entire process. We take full accountability for driving your transaction forward, communicating with every party, resolving blockers before they become problems, and keeping you informed at every stage.

  • Single point of contact for all parties
  • Weekly transaction status reports to buyer and seller
  • Proactive problem identification and resolution
  • DLD registration coordination and management
  • Timeline management and deadline escalation
  • Completion coordination and key handover management
Start Your Sale Progression

Get Started Today

From application to transfer.
One team. Full accountability.

"Your mortgage. Managed with precision. Delivered with care."

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Who We Serve

Built for every person buying property in the UAE.

Whether you are a UAE national purchasing your family home, an expat navigating residency requirements, or an overseas investor managing a transaction remotely, we have the expertise to guide you.

Our Clients

One standard of service.
For every type of buyer.

01
UAE Nationals & Citizens
"Local expertise, local lenders: the best rate on the UAE market."

As a UAE national or GCC citizen, you have access to the broadest range of mortgage products and the most competitive rates in the market. We know every lender's criteria, government schemes, and exclusive products available to you, and we ensure you access them all.

  • Government-backed mortgage schemes
  • Preferential rates for UAE nationals
  • Higher LTV ratios up to 85%
  • Off-plan and secondary market purchases
  • Portfolio and investment property financing
02
Expats Living in UAE
"Navigating UAE mortgages as an expat is complex. We've done it thousands of times."

The UAE mortgage market has specific requirements for expats: salary thresholds, residency criteria, down payment levels, and documentation requirements that differ significantly from home markets. We guide you through all of it clearly, honestly, and efficiently.

  • Employment and self-employed applications
  • Multiple currency income assessment
  • Documentation support and preparation
  • Up to 75–80% LTV for residents
  • Salaried and business owner products
03
Overseas Investors
"Invest in UAE property from anywhere in the world."

The UAE's freehold property market is open to international investors, and 365 Mortgages makes the process seamless from anywhere in the world. We handle every aspect remotely, from lender selection and mortgage application through to DLD registration and final handover.

  • Non-resident mortgage products
  • Remote transaction management
  • Power of Attorney preparation support
  • Freehold area guidance and restrictions
  • Currency and transfer planning advice
04
Sellers & Estate Agents
"One team managing the whole transaction, so yours completes."

For property sellers and their agents, our Sales Progression service ensures that your agreed sale actually reaches completion. We take full accountability for coordinating the buyer, their lender, the DLD, and all other parties, removing the delays, drop-outs and stress that too often derail UAE property sales.

  • Full transaction management from acceptance to handover
  • Weekly progress reporting for all parties
  • Mortgage status monitoring for buyers
  • DLD and NOC coordination
  • Proactive issue resolution and escalation

Whoever You Are

Your situation is unique.
Our advice will be too.

"We treat every transaction as if it's our own."

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Resources & Guides

Everything you need to understand your UAE mortgage.

A free mortgage calculator, links to official UAE government resources, and answers to the most common questions, all in one place. Knowledge is the first step to ownership.

Mortgage Calculator

Estimate your monthly payments

Estimated Monthly Payment
AED –
Loan Amount
–
LTV Ratio
–
Total Repayable
–

* This is an indicative estimate only. Actual rates and terms depend on your individual circumstances, lender criteria, and current market conditions. Speak to a 365 Mortgages advisor for a personalised illustration.

Get a Precise Quote →

FAQ

Common questions answered.

Yes. Expats living and working in the UAE can access mortgage products from most major UAE banks, subject to eligibility criteria including minimum salary thresholds (typically AED 10,000–15,000/month), a minimum period of employment, and a valid UAE residency visa. The maximum LTV for expats is generally 75–80% of the property value. 365 Mortgages will assess your specific eligibility and guide you to the most appropriate lenders.
The minimum deposit depends on your residency status and the property value. UAE nationals can borrow up to 80–85% (15–20% deposit). UAE resident expats typically need a minimum 20–25% deposit. Non-residents purchasing investment properties generally need 35–50% deposit. Additionally, you should budget for Dubai Land Department (DLD) transfer fees (4%), agent fees (2%), and mortgage registration fees.
Sales Progression Management is the service of actively managing and coordinating all parties involved in a property transaction, from the moment an offer is accepted to the completion and key handover. In the UAE, this involves coordinating the buyer, seller, real estate agents, mortgage lender, Dubai Land Department, developer NOC teams, and legal representatives. Without active management, transactions regularly stall or collapse. If you want your sale to complete on time with minimum stress, you need sales progression.
Yes. Non-resident mortgage products are available in the UAE for international investors purchasing freehold properties in designated areas. LTV ratios for non-residents are typically 50–60%. The process involves more documentation than resident mortgages and often requires a Power of Attorney arrangement. 365 Mortgages specialises in managing remote transactions for overseas buyers and can handle the entire process without you needing to be physically present for most stages.
A mortgage pre-approval in the UAE typically takes 5–10 business days. Full mortgage offer following valuation and underwriting usually takes 2–4 weeks from application. The overall property transaction from offer acceptance to DLD transfer typically takes 4–8 weeks, depending on the lender, property type, and how efficiently all parties are coordinated. 365 Mortgages actively drives these timelines and manages all parties to ensure the process moves as quickly as possible.
UAE mortgages are most commonly offered with a fixed introductory period (typically 1–5 years) followed by a variable rate linked to EIBOR (Emirates Interbank Offered Rate) plus a bank margin. Fixed rate products offer payment certainty for the initial period. Variable products may offer lower initial rates but carry interest rate risk. The right choice depends on your circumstances, risk appetite, and outlook on interest rates. Our advisors will model both scenarios for you before you decide.
Your initial consultation is completely free of charge with no obligation. We are fully transparent about our fee structure before any engagement, which means no surprises at any stage. We will clearly explain all costs, including lender arrangement fees, mortgage registration fees, and our advisory fees, before you commit to anything. There are no hidden charges.

Official Resources

Trusted UAE government sources.

Dubai Land Department

The official UAE government authority for all Dubai property matters: title deeds, registration, transfer fees and buyer services.

Visit DLD →
UAE Mortgage Regulations

The Central Bank of the UAE's official rules on mortgage lending, including the maximum loan-to-value (LTV) ratios and deposit requirements that apply to every UAE bank.

Read the Rules →
First-Time Home Buyer Programme

A DLD initiative giving UAE residents priority access and preferential terms on their first Dubai home valued below AED 5 million.

Learn More →

Still Have Questions?

Speak to an advisor.
No obligation. No pressure.

"UAE property expertise. Available 365 days a year."

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Get in Touch

Your mortgage journey starts with a conversation.

Book a free, no-obligation consultation with a 365 Mortgages advisor. We'll assess your situation, answer your questions, and outline exactly what's possible for you.

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Contact Information
Email
info@365mortgageuae.com
WhatsApp / Phone
+971 58 588 4055
Location
Dubai, United Arab Emirates
Availability
365 days a year
We respond to all enquiries within 1 business day
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