Insights
UAE mortgage guides
How the market actually works.
Clear notes on mortgage pre-approval, refinance, resident and non-resident lending, and fees. Written for a real decision.
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.
25 August 2026 · 6 min
How banks work out your DBR on a UAE mortgage
How UAE banks calculate DBR on a UAE mortgage: documented income, loans, and a percentage of each credit card limit. Bring the real numbers to a Crelco mortgage advisor.
21 August 2026 · 5 min
How DBR works on a Dubai mortgage
Debt burden ratio is the share of your income UAE banks count toward debt. How it shapes a Dubai mortgage, and what you can still change.
1 June 2026 · 6 min
How mortgage pre-approval works in the UAE
A pre-approval is not a final offer. It is a clear starting point, budget, documents, and a signal to the market that you are ready.
18 May 2026 · 7 min
When a mortgage buyout in Dubai actually pays
A lower rate is not the same as a better loan. The right refinance is the one that still saves money after every fee is counted.
2 April 2026 · 5 min
Resident and non-resident mortgages, plainly
You do not need to live in the UAE to finance property here. The structure, deposit, and paperwork are simply different.
12 March 2026 · 5 min
The fees around a UAE mortgage, and which are not ours
DLD, agency, valuation, registration. None of these are Crelco fees. Here is how they usually sit on a purchase.
See what you can borrow.
A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.