Find the Right Mortgage for Your Property in the UAE
Navigating the UAE mortgage market can be complex, but with expert guidance, competitive rates, and tailored financing solutions, securing the perfect mortgage has never been easier. Whether you’re a first-time buyer, an investor, or an expatriate looking to purchase property, we simplify the process from start to finish.
Mortgage Advisory Tailored to Your Needs
Securing a mortgage in the UAE requires careful financial planning, knowledge of lending requirements, and an understanding of available options. At Elite Service Group, we provide expert mortgage advisory services, ensuring you receive the best financing solutions tailored to your needs.
Our team works closely with leading banks and financial institutions to secure competitive interest rates, guide you through eligibility requirements, and handle all legal and administrative processes. Whether you’re purchasing your first home, investing in off-plan property, or refinancing an existing loan, we simplify the process and ensure a smooth transaction.
Our Mortgage Services
Whether you’re buying your first home, investing in property, or refinancing an existing loan, our team provides expert mortgage advice tailored to your needs. We work with leading UAE banks to secure the best rates, ensure full compliance, and guide you through the entire process from pre-approval to final handover.
First-Time Buyer Mortgages
Buying your first home? We simplify the process, guiding you through eligibility, down payments, and pre-approvals for a smooth, stress-free journey.
Investment Mortgages
Looking to invest in UAE property? We structure your financing for maximum returns, ensuring compliance and securing the best investment-friendly mortgage.
Off-Plan Property Mortgages
Financing off-plan property? We work with top banks to arrange compliant, low-risk mortgages tailored to developer requirements and payment plans.
Expat & Non-Resident Mortgages
Not a UAE resident? No problem. We tailor mortgage solutions for expats and overseas investors with smooth approvals and competitive rates.
Remortgaging & Refinancing
Looking to save? We help you refinance your mortgage, reduce payments, or release equity with smarter loan terms and lower rates.
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Monthly Repayment
AED 0Are You Eligible for a Mortgage in the UAE?
Understanding eligibility is key to securing the right mortgage. UAE lenders assess multiple factors before approving home loans, and our experts help you navigate these requirements with ease. We evaluate:
Income & Employment Status
Minimum salary requirements and employment history.
Credit History
UAE credit score assessment and international credit checks for expats.
Debt-to-Income Ratio
Assessing existing financial commitments.
Nationality & Residency Status
Special considerations for expats and non-residents.
Understanding Mortgage Costs in the UAE
Beyond the loan amount and interest rate, mortgages in the UAE come with various fees and charges. Our experts provide full transparency, ensuring you are fully aware of all costs before proceeding. Common fees include:
Processing Fees
Charged by the bank for loan approval (typically 0.5% - 1% of the loan amount).
Valuation Fees
Property valuation costs for mortgage approval.
Early Settlement Fees
Penalties for paying off your mortgage before the term ends.
Mortgage Registration Fees
Charged by the Dubai Land Department or other authorities.
Broker Fees
Costs associated with using a mortgage broker’s services.
What Our Clients Say?
We’ve helped hundreds of clients successfully navigate property purchases, business setups, and residency applications—here’s what they had to say about working with us.
Why Choose ESG for Mortgages?
At Elite Service. Group, we combine expert knowledge, personalised support, and a trusted network to deliver solutions that truly work. Here’s why individuals and businesses continue to choose us as their go-to advisory partner.
Expert Guidance
Industry specialists with deep market knowledge.
End-to-End Support
Handling paperwork, compliance, and approvals.
Client-Centric Approach
Tailored solutions for individuals and businesses.
Trusted Network
Strong partnerships with financial institutions and legal experts.
Resources & Insights
Stay informed with expert insights on property, finance, and business.
