The 12 Best Mortgage Brokers in Dubai

Mortgage Finder suits buyers who want a broad bank panel and advisers in many languages. Backed by Property Finder, it compares offers from more than 20 UAE banks for residents and non-residents, and also arranges buyouts, equity release, commercial finance and handover payments. Advisers are salaried rather than paid on commission, and the service is free to clients. Its eligibility and refinancing calculators help set a budget before the first call.

Money Maestro suits buyers who want a clear, step-by-step route from first meeting to handover. Its seven stages start with a free 30-minute consultation and run through rate comparison, pre-approval, valuation, disbursal and support at transfer. Licensed by the Dubai Department of Economic Development and registered with RERA, it works with more than 20 banks. Products include buyouts, equity release, Sharia-compliant finance and plot and land loans.

eMortgage suits buyers who want the full cost of a purchase laid out before they apply. Its online calculator breaks down bank processing, valuation, agency, transfer and registration fees for each scenario. Products include purchase loans of up to 85% loan-to-value, refinancing, equity release, renovation finance, handover payments and non-resident finance up to 60%. Pre-approval requests are free and can be started online.

Lion Mortgage suits buyers with less standard needs, from plot and land loans to under-construction homes and portfolio consolidation. The independent broker, licensed by the DED and registered with RERA, places loans with banks including ADIB, Emirates NBD, HSBC, Mashreq and FAB. Products cover UAE and GCC nationals, non-residents, Islamic finance, balance transfers and equity release. It also arranges insurance, conveyancing and wills, keeping the purchase paperwork with one adviser.

Holo suits buyers who like to compare products online before speaking to an adviser. The platform lists more than 100 mortgage products from UAE lenders, and its mortgage service is free for buyers. Beyond residential loans it covers commercial mortgages, Islamic home finance, refinancing and UK mortgages for expatriates. Calculators for repayments, refinancing and rent versus buy are a sensible first step before applying.

Loans & Homes suits buyers who want one adviser from first call to bank approval, from a team made up of former bankers. It works with more than 20 UAE banks for nationals, expatriates and non-residents, and is paid by the banks, so there is no fee to the client. A client portal tracks the application, sends updates and stores documents. Once pre-approval is in hand, the team connects buyers with partner agents.

Phillips & Walls suits British expatriates who may need advice on both UAE and UK property. Founded by Jo Phillips and Lucy Walls, the broker arranges new purchases, remortgages, buy-to-let, equity release and UK mortgages through more than 20 lender partnerships. It covers residents, non-residents, self-employed buyers and off-plan purchases. The first consultation is free, and the process runs in four steps from options and pre-approval to completion.

My Mortgage Broker suits owners looking to cut the cost of an existing loan or unlock equity. Its buyout service moves current mortgages to lower rates, and equity release allows borrowing of up to 60% of a property's value. Non-residents can access up to 60% funding with instant pre-approval based on income, and new purchases can be financed up to 80%. The team also manages handover payments for off-plan buyers.

Elite Capital suits buyers who need finance beyond a standard home loan, from off-plan and handover payments to construction and commercial finance. The Business Bay consultancy also arranges resident and non-resident mortgages, with low-documentation options for non-residents, plus Islamic finance, buyouts and equity release. Consultations are offered in the client's preferred language. Its online calculator covers residents, UAE nationals and non-residents.

First Choice suits buyers who want realistic timelines and costs before they apply. Its FAQ gives application times of two to three weeks for residents and three to five weeks for non-residents, and itemises buyout costs such as registration, valuation and early settlement fees. Led by founder Zamran Zaharan, the Barsha Heights broker arranges new purchases, buyouts, equity release, building finance and Islamic finance. Its standard service is free.

Capital Zone suits buyers whose income is harder to document, such as the self-employed or those with complex earnings. The Business Bay broker works with more than 20 partner banks and matches applicants after reviewing deposit, AECB credit score, employment history and debt-to-income ratio. Products cover residential and non-resident mortgages, refinancing, equity release, land finance and commercial and development finance. Pre-approvals can be obtained without affecting the AECB score.

Huspy suits buyers who want mortgage advice and a property search on one platform. Its advisers guide clients from pre-approval to disbursal with a panel of UAE banks that includes Islamic lenders such as Dubai Islamic Bank and Emirates Islamic. A fast-track route with selected banks aims to secure a mortgage in about two weeks. Online calculators for affordability, repayments and valuation help set a realistic budget early.