Whole-of-market comparison across UAE banks, pre-approval in principle and the paperwork handled end to end.
Finding the right mortgage can be just as important as finding the right property. Through our network of leading UAE mortgage advisors and banks, we help investors secure suitable financing solutions tailored to their financial profile and investment goals.
Many of our buyers never take a UAE mortgage. They borrow from a bank in your country — often against property they already own there — and pay for the Dubai home with that money. For the developer and the Dubai Land Department it is simply a cash purchase.
A bank in your country may offer a consumer or a secured loan; property you already own there is the collateral banks accept most readily.
Some banks lend for any purpose, some only for property, some not for property abroad. The agreement has to allow the money to be spent outside your country.
We send you the escrow or seller account details and the purchase documents your bank and the UAE side ask for, so the transfer clears without questions.
With the funds in place you negotiate as a cash buyer — usually the stronger position, with no UAE bank valuation to wait for.
Whether this is possible depends entirely on your bank's policy, the purpose of the loan and the collateral it accepts. Rate, term and currency risk are set in your country, not in the UAE. HTH does not lend or arrange credit abroad — we handle the Dubai side of the purchase and the paperwork that goes with it.
We review your income, financial profile and investment plans to determine your potential borrowing capacity.
We connect you with a network of leading UAE lenders to identify suitable rates and financing structures.
Our mortgage partners manage the pre-approval, documentation and bank application process.
From property valuation to final financing and DLD transfer, we help coordinate the process through to completion.
Indicative only. UAE banks cap total monthly debt repayments at 50% of income; the final rate depends on the lender and your profile.
Whether you are purchasing your first UAE property, expanding your portfolio or refinancing an existing mortgage, our team helps make the financing process clear, efficient and straightforward.
This service is delivered by the HTH Real Estate team rather than a single named consultant — so it does not stall when somebody is on leave. Tell us what you need and the right specialist will call you back, usually the same day.
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