AI-Powered Mortgage Broker in UAE — Pre-Approval in 24 Hours
Mortigo is Dubai's leading AI-powered mortgage broker, helping UAE residents and expats secure competitive home purchase loans and refinancing across 15+ major UAE banks including Emirates NBD, ADCB, FAB, ADIB, CBD, DIB, and Mashreq. Smarter by AI, Guided by People.
Why Choose Mortigo?
- 24-Hour Pre-Approval: Our AI processes your application across multiple banks simultaneously, delivering pre-approval in 24 hours — 75% faster than traditional brokers.
- AI-Powered Matching: AI matching identifies the right banks for your profile, guided by experienced mortgage specialists.
- 15+ Bank Partners: Emirates NBD, ADCB, FAB, ADIB, CBD, DIB, Mashreq, RAKBANK — all compared in one place.
- Expert Human Advisors: Dedicated mortgage specialists guide you from application to key handover.
- Zero Hidden Fees: Full transparency on all costs before you commit.
Our Mortgage Services
Home Purchase Mortgages
Buy your dream property in Dubai, Abu Dhabi, or anywhere across the UAE. Fixed rates from 3.5% and variable rates linked to EIBOR. We handle villas, apartments, townhouses, and off-plan properties across all Emirates.
Mortgage Refinancing UAE
Refinance your existing UAE mortgage to access lower rates, reduce monthly payments, or release equity. We compare live offers from all major UAE lenders and calculate your net saving before you decide.
Expat Mortgages Dubai
Specialist support for expatriates buying property in the UAE. Mortigo navigates expat-specific requirements: minimum salary thresholds, 20% LTV rules, visa requirements, and documentation — all handled for you.
First-Time Buyer Loans
Buying your first home in the UAE? Mortigo guides first-time buyers through every step, from understanding eligibility to completing registration. Government first-time buyer schemes available.
The Mortigo Mortgage Process
- Apply Online: Complete our secure form with your financial details — takes under 10 minutes.
- AI Analysis: Our system analyses your profile and identifies matching banks from our panel of 15+ lenders.
- Pre-Approval in 24 Hours: Receive pre-approval from multiple banks within 24 hours.
- Advisor Guidance: Your dedicated Mortigo advisor helps you choose the best offer and handles all bank communication.
- Completion: We manage the process through to property registration and key handover.
UAE Mortgage Eligibility Requirements
- Valid UAE residence visa (for expats)
- Minimum monthly salary: AED 15,000 (salaried) or AED 25,000 (self-employed)
- Minimum 6 months with current employer
- Down payment: 15% (UAE nationals) or 20% (expats) on properties under AED 5 million
- Debt Burden Ratio (DBR) must not exceed 50% of monthly income per UAE Central Bank rules
- Maximum loan term: 25 years (loan must be repaid by age 65 for expats, 70 for UAE nationals)
Current UAE Mortgage Rates (2026)
Last updated: 14 Apr 2026 · Source: UAE Central Bank
| Rate Type | Starting Rate | Fixed Period |
|---|---|---|
| Fixed Rate | From 3.5% p.a. | 1–5 years |
| Variable Rate (EIBOR-linked) | EIBOR + 1.5–2% | After fixed period |
| Islamic (Reducing Balance) | From 3.8% p.a. | 1–5 years |
Live EIBOR Benchmark Rates
The Emirates Interbank Offered Rate (EIBOR) is the benchmark used for variable-rate mortgages in the UAE. Current EIBOR rates as of 14 Apr 2026:
| Tenor | Rate |
|---|---|
| Overnight | 3.4000% |
| 1 Week | 3.6983% |
| 1 Month | 3.7499% |
| 3 Month | 3.7194% |
| 6 Month | 3.8062% |
| 1 Year | 4.0571% |
Source: UAE Central Bank. Rates update daily. Variable mortgage rates are EIBOR + lender margin (typically 1.5–2%).
Frequently Asked Questions
How long does mortgage approval take in UAE?
Mortigo pre-approvals arrive in 24 hours. Final mortgage approval typically takes 3-5 working days — compared to 2-4 weeks at traditional banks.
What is the minimum down payment for a Dubai mortgage?
UAE nationals need a 15% minimum on properties under AED 5 million. Expats need 20%. All buyers need 30% on properties above AED 5 million.
Can I get a mortgage as an expat in UAE?
Yes. Expats with a UAE residence visa, stable employment, and minimum monthly salary of AED 15,000–20,000 can qualify. Mortigo specialises in expat applications.
What documents do I need for a UAE mortgage?
Typically: passport and Emirates ID, salary certificate, 3-6 months bank statements, 3 months payslips, and property details. Mortigo's advisors confirm the exact requirements for your chosen bank.
What are the current mortgage rates in UAE?
UAE variable mortgage rates are linked to EIBOR (Emirates Interbank Offered Rate). The current 3-month EIBOR is 3.7194% (as of 14 Apr 2026). Variable mortgages are priced at EIBOR + lender margin (typically 1.5–2%). Fixed rates start from around 3.5% p.a. for 1–5 year fixed periods.
Explore by Area
We cover mortgages across all UAE emirates and communities. Explore our location guides: Dubai Mortgages, Abu Dhabi Mortgages, Dubai Marina Mortgages, Palm Jumeirah Mortgages, Downtown Dubai Mortgages. See all areas at our UAE Mortgage Locations guide.
Compare Banks
Research and compare all major UAE mortgage lenders. Read detailed profiles and rate comparisons: UAE Mortgage Banks — covering Emirates NBD, FAB, ADIB, ADCB, DIB, CBD, Mashreq, and more. See bank-to-bank mortgage comparisons for head-to-head rate and fee analysis.
Mortgage Glossary
New to UAE mortgages? Our UAE Mortgage Glossary explains every key term — LTV, DBR, EIBOR, Murabaha, Ijara, and more — with UAE-specific context and worked examples.
Mortgage Guides by Buyer Type and Location
Browse our tailored mortgage guides at UAE Mortgage Guides. Use our free mortgage calculators to plan your finances.
Have questions about UAE mortgages? Visit our Mortgage FAQ for answers to the most common questions from buyers and expats across the UAE.
Ready to start? Read our Complete UAE Mortgage Guide — a step-by-step walkthrough from eligibility to key handover.
About Mortigo
Mortigo was founded in Dubai in 2025 with a single goal: make UAE mortgage approval faster, smarter, and more transparent. Our team of licensed mortgage advisors is based in Business Bay and serves UAE nationals and expatriates across all emirates. Learn more about Mortigo — our team, our licensing, and our track record.
Contact Mortigo — Dubai Mortgage Experts
Phone & WhatsApp: +971 50 729 7196 | Email: info@mortigo.ae
Office: Office C1804-104, Business Bay, Dubai, UAE
Hours: Monday–Friday 9:00 AM–6:00 PM | Saturday 9:00 AM–2:00 PM
Your Gateway toSmart Mortgages
Experience the future of mortgage processing in the UAE. AI technology that streamlines every step, making home financing faster and completely transparent.
What brings you to Mortigo today?
Quick Calculator
Estimate your monthly payment
Estimated Monthly Payment
AED 6,327/mo
at 3.99% p.a. indicative rate
Loan Amount
AED 1,200,000
Total Interest
AED 698,225
Happy Clients
AI-Powered
Matching
Pre-Approval
Loans Processed
Access to 15+ Leading UAE Banks
Our extensive partnerships with top UAE banks ensure you get the best rates and terms
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Traditional brokers vs Mortigo
Discover why thousands of UAE homebuyers are switching to Mortigo's AI-powered mortgage platform — faster approval, more banks, zero hidden fees.
Traditional brokers
Mortigo AI-POWERED
Ready to get pre-approved?
Why UAE Residents Choose Mortigo
DLD Licensed Broker
Dubai Land Department licensed — Trakheesi Reg. 54535
Trakheesi Registered
Verified real estate services broker — Reg. 54535
AI Technology
Advanced AI for faster, smarter mortgage processing
Why Choose Mortigo?
Lightning Fast Processing
Our revolutionary AI algorithm processes applications 10x faster than traditional methods, giving you pre-approval decisions in 24 hours, not weeks.
Transparent & Secure
Complete transparency in every step of your mortgage journey. Our platform ensures your data is protected while giving you real-time updates on your application status.
Smart Rate Optimization
Our AI continuously monitors market conditions and your profile to find the best possible rates. We negotiate with multiple banks simultaneously to secure the best rates.
Our Services
What Our Clients Say
"Mortigo got me pre-approved in 24 hours. My previous broker took 3 weeks and still came back with worse rates. The process was completely online."
Sarah Al-Rashidi
Dubai homeowner · Salaried
AED 2.4M
via Emirates NBD
"As a self-employed expat I assumed getting a mortgage would be nearly impossible. Mortigo found me a bank that actually works with my income structure."
James Whitfield
Abu Dhabi expat · Self-employed
AED 1.85M
via FAB
"I had no idea where to start. The team walked me through every step, handled all the paperwork, and I got keys to my apartment in 6 weeks."
Priya Nair
Dubai · First-time buyer
AED 1.2M
via ADIB
Smart Calculators
Use our AI-powered calculators to estimate payments, affordability, and refinancing options
Ready to Get Started?
Join 100+ satisfied clients who chose Mortigo for their mortgage needs. Get your pre-approval in 24 hours, not weeks.