AI-Powered Mortgage Broker in the UAE

Mortigo combines AI-assisted lender matching with guidance from human mortgage advisors. AI helps organise submitted information and surface potentially suitable options from participating lenders; a person reviews the case and guides each application.

Why Choose Mortigo?

• Fast initial assessment: Our technology can assess submitted information promptly. A lender—not Mortigo—issues any pre-approval, and timing varies.
• AI-assisted matching: Submitted information is compared with participating lender criteria to surface potentially suitable options for human review.
• Lender research: Explore guides covering established UAE lenders and their published information.
• Expert Human Advisors: Dedicated mortgage specialists guide you from application to key handover.
• Clear costs: We explain known brokerage, lender and transaction costs; final fees are confirmed in the relevant lender and transaction documents.

Our Mortgage Services

Home Purchase Mortgages

Explore fixed, variable and Islamic home-finance options for eligible properties across the UAE. Available products, rates and property criteria vary by lender.

Mortgage Refinancing UAE

Explore whether refinancing an existing UAE mortgage could change your rate, monthly payment, term or available equity. Compare the full estimated costs before deciding whether to apply.

Expat Mortgages Dubai

Guidance for expatriates buying property in the UAE, including residency, income, loan-to-value, property and document criteria that vary by lender.

First-Time Buyer Loans

Buying your first home in the UAE? Review eligibility, deposit, transaction-cost and document considerations before choosing whether to apply.

The Mortigo Mortgage Process

1. Apply Online: Complete the secure form with the financial details needed for an initial assessment. Completion time depends on the information available.
2. Initial matching: Submitted information is compared with available lender criteria to identify options for adviser review.
3. Initial Assessment: Receive an indication of potentially suitable options; any pre-approval is issued by a lender after review.
4. Advisor Guidance: A Mortigo advisor can explain relevant features, costs and next steps; the choice remains yours.
5. Completion: We manage the process through to property registration and key handover.

UAE Mortgage Eligibility Requirements

Common factors lenders assess include the following. Thresholds and treatment vary, so confirm current rules and product criteria.

• Residency status and identification documents
• Income level, source and stability
• Employment tenure or self-employed trading history
• Deposit and loan-to-value limits for the buyer and property type
• Debt Burden Ratio and existing commitments under current rules and lender policy
• Requested term and the lender's maximum-age policy

Indicative UAE Mortgage Rates

Current lender-rate data is temporarily unavailable. Fallback figures are not shown as current rates.

Frequently Asked Questions

How long does mortgage approval take in UAE?

Mortigo can provide an initial eligibility indication after receiving the required information. Lender pre-approval and final approval timelines vary with the applicant, property, documents and lender.

What is the minimum down payment for a Dubai mortgage?

The minimum depends on residency, property value and type, and whether this is a first or subsequent purchase. Check the latest CBUAE limits and your lender's potentially stricter criteria before committing funds.

Can I get a mortgage as an expat in UAE?

Yes, subject to lender criteria. Residency, income, employment, credit history, property and documentation requirements vary by lender.

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?

Some UAE variable mortgage products are linked to a specified EIBOR tenor plus a lender margin and may include a rate floor. Check the CBUAE source for the latest benchmark. Fixed and variable product pricing depends on lender terms and applicant eligibility.

Explore by Area

We cover mortgages across all UAE emirates. Explore our location guides: Dubai Mortgages, Abu Dhabi Mortgages, Sharjah Mortgages, Ajman Mortgages, Ras Al Khaimah Mortgages. See all areas at our UAE Mortgage Locations guide.

Compare Banks

Research and compare UAE mortgage lenders. Read detailed profiles and rate comparisons in our UAE Mortgage Banks directory. 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 — including the Rent vs Buy Calculator to compare monthly costs and break-even year, and the Early Settlement Calculator to estimate your penalty before settling or refinancing.

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 is based in Business Bay, Dubai and provides AI-assisted mortgage matching with human application support for UAE nationals and expatriates. Learn about Mortigo, its published business details and how the service works.

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