Introductions to qualified specialists, coordinated around your purchase.
We do not arrange your mortgage. We make sure it lands on time.
Agent Frank is not a mortgage broker and does not hold a finance licence. What we do is introduce you to qualified specialists and then run the timeline, because in Dubai the financing and the transaction have to meet on the same day.
What a UAE mortgage actually requires
Pre-approval before you offer, not after. Loan-to-value caps that differ for residents and non-residents and again for a second property. A valuation instructed by the bank, not by you.
And a pre-approval that expires, usually in sixty days, which is why the order of events matters more than the rate.
Off-plan financing, which is a different thing
Most UAE banks will not finance an off-plan unit before roughly 50% construction completion, and will lend against the lower of the sale-agreement price and the current valuation.
If you are buying off-plan on a payment plan, assume the first years are cash and plan the mortgage for handover. We say this before you reserve, not after.
Non-resident buyers
Fewer lenders, lower loan-to-value, more documentation, and a longer timeline. It is entirely routine and it is not fast.
We will tell you at the first conversation whether your timeline is realistic, and if it is not, what a cash purchase with a later refinance looks like instead.
How we coordinate it
One timeline, shared between you, the specialist, the seller’s agent and the conveyancer, with the dates that cannot move marked as such: pre-approval expiry, valuation instruction, the memorandum deadline and the transfer appointment.
The most common reason a Dubai transaction fails is not the mortgage. It is the calendar.
Visa, immigration, legal, company formation and mortgage matters are handled by appropriately qualified third-party specialists. Final scope and provider terms are agreed separately.
How it works
- We establish what you can borrowIncome, residency and existing commitments, checked before an offer is made rather than after.
- You get a pre-approval in writingIt is what turns an offer from an intention into something a seller will act on.
- We introduce the right lenderBanks price residents, non-residents and off-plan very differently, so we go to the ones that suit your case.
- We coordinate the valuation and the offer letterThe bank's own valuation, the terms attached to it, and the fees that come with both, laid out in full.
- We line the finance up with the transferThe mortgage registration and the DLD transfer are one appointment, and this is where a purchase is most often delayed.
02 / Before you ask us
The questionsthat come up first.
Do you arrange the mortgage yourselves?
No. We are not a mortgage broker and we do not hold a finance licence. We introduce you to qualified specialists and then run the timeline around the offer, the valuation and the transfer.
Can I finance an off-plan purchase?
Most UAE banks will not lend before roughly 50% construction completion, and then against the lower of the sale-agreement price and the current valuation. Plan the first years as cash and the mortgage for handover.
How long does a non-resident application take?
Longer than a resident one, with fewer lenders, a lower loan-to-value and more documentation. It is routine and it is not fast. We will tell you at the first conversation whether your timeline is realistic.
03 / Talk to us about this
Get the pre-approval before you offer.
Tell us the purchase you are contemplating and your residency status. We will introduce the right specialist and hold the calendar.