Before you call us.
The questions we hear most from residents, non-residents, and investors arranging a mortgage in the UAE. Don't see yours here? Reach out and we'll answer it directly.
In almost all cases, no. Our fee is paid by the bank once your mortgage is disbursed, so the rate you get through us matches or beats going to the bank directly. Any exception is confirmed with you upfront, in writing, before any work begins.
Yes. Several UAE banks lend to non-resident buyers, typically with a higher minimum down payment (usually 40–50%) and additional income documentation. We match your file to the lenders currently most active in this segment.
Most residents with complete documents receive a pre-approval letter within 48 hours. Non-resident or self-employed files can take a little longer depending on the bank's underwriting requirements.
Yes, through our Islamic banking partners using Ijara and Murabaha structures. We'll flag Sharia-compliant options alongside conventional ones whenever you're comparing offers.
Typically: passport and visa copy, Emirates ID, salary certificate or trade license, six months of bank statements, and existing liability letters if applicable. We send an exact checklist once we understand your employment type.
Our calculator shows two separate level monthly payments over your full loan term: one at the intro (fixed) rate and one at the variable rate that follows, so you can compare what each structure would cost per month. Most UAE mortgages start with a fixed intro period before rolling onto a variable rate tied to EIBOR.
It depends on your residency status and the property value. For properties valued at AED 5 million or below, LTV caps are typically up to 85% for UAE Nationals, 80% for UAE Residents, and 65% for Non-Residents, meaning down payments from around 15% to 35%. Higher-value properties and off-plan purchases carry different caps.
We compare your current mortgage against current market offers, weighing any early-settlement fee against the interest you'd save, before recommending a move. If it makes sense, we coordinate the liability letter and handover between your existing and new bank directly, with a typical rate switch completed in around 3 weeks.
Yes. We structure financing across up to 5 concurrent facilities, using your tenancy contracts and rental yield data so banks credit a realistic share of rental income toward your application, and spread applications across lenders to help you stay under any single bank's concentration limits.
No, life-of-loan support is included at no extra cost. We review your mortgage against current market offers annually, flag it if refinancing would be worthwhile, weigh early-settlement costs when relevant, and track your fixed-rate expiry so you're not defaulted onto a bank's standard variable rate by surprise.
UAE banks apply a debt burden ratio (DBR) cap of 50% of your monthly income: your existing loan payments plus 5% of any credit card balances can't exceed half of what you earn. Use the DBR checker on our homepage to estimate your own headroom under this cap before you apply.
Yes. WayzFinder Mortgage Brokerage LLC is an independent brokerage regulated by the UAE Central Bank. Being independent means we compare offers across our full panel of lender partners rather than being tied to one bank's products.
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