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Unbiased advice
We are independent. Recommendations follow your profile and the numbers, not a bank’s product plan.
Mortgage broker in Dubai and UAE
Mortgage Brokers in Dubai & the UAE
Your Home Mortgage, arranged properly.
Expert Mortgage Advice, Bank comparisons and end to end support to help you secure the right home loan in the UAE.
Independent
All major UAE banks
No consultancy fee
Banks we work with
Partner banks
Calculators
Run the numbers before the conversation.
Indicative monthly payments, upfront cash, and borrowing power. An advisor then replaces the estimate with the file.
Mortgage calculator
Indicative only. Fees vary by lender, emirate, and profile. Crelco does not charge consultancy fees.
AED 2,000,000
AED 300,000 – 10,000,000
20 %
Minimum 20% for residents
25 years
3.99 %
Your estimate
Estimated monthly
AED 8,437
- Loan amount
- AED 1,600,000
- Down payment
- AED 400,000
- Total upfront (est.)
- AED 539,530
All figures are estimates. Fees vary by profile, lender, and emirate. None of these charges are from Crelco.
Instant eligibility
A first view of borrowing power based on income, residency, and employment. Bank policies vary. No obligation.
This estimate is without liabilities. Loans, credit cards, and similar commitments can bring this number down significantly.
Your estimate
Enter income to see an estimate.
This figure assumes no existing liabilities. Real borrowing power is often lower once loans and credit cards are included. Bank policies vary. Crelco does not charge consultancy fees.
The practice
Why go through an advisor, rather than a bank?
A bank shows you its own products. We show you the market. Crelco is independent , we work with every major UAE lender and only propose what fits the file in front of us.
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A dedicated advisor
One person who knows your file, coordinates the banks, and stays with you from the first call to transfer.
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A quieter process
Documents prepared once, terms reviewed early, and surprises removed before they become delays.
What you leave with
Clarity, then control.
Clear eligibility
A precise view of borrowing power before you start viewing properties.
Better rates, compared
Options sourced across leading UAE banks, not a single offer taken at face value.
Faster approvals
Complete files and coordinated valuations so the bank is not waiting on you.
A stronger position
Verified pre-approval when you make an offer. Agents and sellers take you seriously.
Lower risk
MOU / Form F review, fee transparency, and terms checked before you commit.
Keys, not loose ends
The process is managed through to registration and handover.
Mortgage types
The work, by name.
Pre-approval
Know your budget before you view. Typically 2–5 working days.
Ready property
Finance for completed homes, based on current market value.
Refinance & buyout
Review your current loan. Switch only if the numbers still work after fees.
Equity release
Unlock value in a property you already own, for investment or renovation.
Handover finance
Move from construction payments to a full mortgage at delivery.
First home
A calm path for first-time buyers, eligibility, banks, and the paperwork.
UAE mortgage consultancy
Mortgage advisor Dubai clients we actually help
Crelco is a mortgage broker in Dubai and a UAE mortgage consultancy based in Business Bay. We help residents and non-residents compare UAE mortgage rates, prepare the file, and complete mortgage pre-approval in the UAE without being tied to one bank.
Salaried employees, self-employed applicants, first-time buyers, and overseas purchasers use the same process: a clear reading of eligibility, then a dedicated advisor through to transfer. We cover Dubai, Abu Dhabi, Sharjah, and the wider UAE. There is no consultancy fee. Government, bank, and transfer charges still apply and are shown before you proceed.
If you already know the number you need, start with mortgage pre-approval in Dubai. If you want a first view of monthly cost, use the UAE mortgage calculator.
The eight steps
A process designed to remove noise.
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Discovery
A private conversation about your plans, residency, income, and what the finance needs to do.
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Eligibility
We map borrowing power, DBR, and the banks most likely to support your profile.
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Preparation
Documents assembled correctly the first time, the quiet reason approvals move faster.
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Comparison
Independent review across major UAE lenders. Rate, structure, and conditions, not one offer.
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Pre-approval
A formal indication of what you can borrow, so you can view and offer with certainty.
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Property & valuation
We coordinate valuation and review the MOU so nothing in the paperwork surprises you later.
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Offer & approval
Final underwriting, offer letter, and a clear view of every fee before you sign.
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Transfer
Registration, release of funds, and keys, managed through to completion.
Advisory
End-to-end, and free of consultancy fees.
From the first conversation to final approval we work with leading banks to secure the most suitable options, and stay with every document until the file is clean.
Comprehensive consultation
A detailed reading of your profile, eligibility, and goals. No obligation.
Objective bank comparison
Identifying and negotiating suitable options across leading UAE banks.
Pre-approval support
Help securing a pre-approval so you can move forward with confidence.
Valuation assistance
Coordinating property valuations so the file does not stall.
MOU / Form F review
Key terms checked before you commit, so the contract matches the plan.
End-to-end advisory
The process managed from first conversation until the keys are in your hands.
Questions
Asked, answered.
Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.
Insights
How the market actually works.
1 September 2026 · 7 min
How long a UAE mortgage actually takes
UAE mortgage pre-approval can take 24 hours to a week, depending on the bank and your file. A ready purchase commonly takes 3-6 weeks to keys.
28 August 2026 · 6 min
Do you have to transfer your salary for a UAE mortgage?
A salary transfer is not required for every UAE mortgage. Transfer and non-transfer can both fit. Your advisor shows the options you are eligible for. You decide.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.