Unbiased advice
We are independent. Recommendations follow your profile and the numbers, not a bank’s product plan.
Why Crelco
Independent mortgage advice in Dubai
Advice that is not tied to a bank.
Expert mortgage solutions in Dubai and the UAE, home loans, refinancing, buyouts, and equity release, with you at the centre of the file.
The difference
A partner, not a product desk.
Crelco offers independent, unbiased mortgage advice tailored to your profile. We are not tied to any bank’s interests. You have a dedicated advisor who stays with the file, and a process that is simple, confidential, and free of consultancy fees.
A dedicated advisor
One person who knows your file, coordinates the banks, and stays with you from the first call to transfer.
A quieter process
Documents prepared once, terms reviewed early, and surprises removed before they become delays.
Simple and transparent
Clear information up front. No hidden consultancy fees. Government, bank, and transfer charges are itemised before you proceed.
What you achieve
Clarity, confidence, and control, through to the keys.
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.
Banks we work with
The market, not a single counter.
We compare options across the UAE’s major lenders. The list is the market, the recommendation is yours.
Banks we work with
Partner banks
How we work
Eight steps. One advisor.
01
Discovery
A private conversation about your plans, residency, income, and what the finance needs to do.
02
Eligibility
We map borrowing power, DBR, and the banks most likely to support your profile.
03
Preparation
Documents assembled correctly the first time, the quiet reason approvals move faster.
04
Comparison
Independent review across major UAE lenders. Rate, structure, and conditions, not one offer.
05
Pre-approval
A formal indication of what you can borrow, so you can view and offer with certainty.
06
Property & valuation
We coordinate valuation and review the MOU so nothing in the paperwork surprises you later.
07
Offer & approval
Final underwriting, offer letter, and a clear view of every fee before you sign.
08
Transfer
Registration, release of funds, and keys, managed through to completion.
Questions
Asked, answered.
Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.