PIPTAN CAPITAL · PRIVATE MORTGAGE DESK
Finance, structured for the way investors buy.
Mortgage advisory for UAE residents, overseas buyers and portfolio investors. One dedicated advisor, a panel of UAE banks, and a structure built around your property, not a rate card.
No obligation · Response within 24–48h · Indicative figures, subject to bank approval
INDICATIVE MONTHLY REPAYMENT
AED 10,560
AED 2.5M property · 20% deposit · 25 years at 4.00%
Adjust in the calculator →
0+UAE banks on our lending panel
AED 0bnFinance arranged for clients
0 daysTypical time to pre-approval
OneDedicated advisor, first call to keys
MORTGAGES
Start with your situation, not a product list.
01UAE residentsExpats and UAE Nationals buying a home to live in, from first purchase to upsizing.Explore →
02Buying from overseasNon-resident mortgages with the banks that accept overseas income, handled remotely.Explore →
03Investors & portfoliosBuy-to-let, second properties and multi-unit portfolios, structured across lenders.Explore →
04Off-plan & handoverPairing developer payment plans with bank finance at the right stage of construction.Explore →
05Refinance & equity releaseMove to a better rate, buy out an existing loan, or release equity for your next purchase.Explore →
06Islamic home financeSharia-compliant Ijara and Murabaha structures from the UAE's Islamic lenders.Explore →
BANKING INSTRUMENTS
Beyond the mortgage: the instruments that close a deal.
HOW IT WORKS
Five steps. One advisor at every one of them.
A straightforward case typically runs around two weeks from first consultation to transfer, in line with standard UAE bank processing times.
01ConsultationWe map your residency, income and goals to the lenders that fit.DAY 1
02Pre-approvalWe package your documents and secure pre-approval, so you buy with certainty.DAYS 2–5
03Property & valuationYou choose the property; the bank's valuer confirms its value.DAYS 5–10
04Final offerWe compare the offers side by side and walk you through the terms.DAYS 10–12
05Transfer & keysMortgage registration, disbursement and transfer at the Dubai Land Department.DAYS 12–14
MORTGAGE CALCULATOR
See the whole number, including the cash on day one.
Your residency
Resident expats: from 20% on a first home up to AED 5M, 30% above, and 40% on a second or investment property.
AED 2,500,000
20% · AED 500,000
25 years
4.00%
MONTHLY REPAYMENT
AED 10,560
Loan amountAED 2,000,000
Down paymentAED 500,000
DLD transfer fee (4%)AED 100,000
Mortgage registration (0.25% of loan)AED 5,000
Cash needed upfrontAED 605,000
To keep total debt repayments within the 50% limit, you would need a monthly income of about AED 21,120 before other debts.
Get your personal eligibility check
Indicative only. Excludes agency, valuation and bank processing fees. Final terms are set by the lender and subject to approval.
WHY A PRIVATE DESK
The rate matters. The structure matters more.
i.
One advisor, first call to keysNo call centre and no hand-offs. Your advisor knows your file, your timeline and your property.
ii.
Overseas income, understoodOnly some UAE banks lend against foreign income. We know which, and what each will accept.
iii.
Built for investorsOff-plan hybrids, second properties and multi-unit portfolios, structured to protect your cash flow.
Our lending panel
Conventional and Islamic lenders across the UAE
CLIENTS
In their words.
"I was buying from London with no plans to be in Dubai before handover. They matched me to the one bank on the panel that actually lends to UK-based buyers, and the whole file closed by power of attorney without me setting foot in the country."
Advised by Layla Haddad
"We didn't know where to start with deposits, affordability or which bank would even look at our file. Having one person run the numbers and the paperwork made a first purchase feel manageable instead of overwhelming."
Advised by Rashid Al Mansoori
"I had three mortgages across two banks and no real sense of whether I was still getting good terms. The refinance review alone saved more than a year's worth of fees, and now everything sits on one panel I can actually compare."
Advised by Layla Haddad
FOR PIPTAN INVESTORS
Finance matched to every Piptan portfolio.
INSIGHTS
Read before you borrow.
Mortgage 101: How Much Deposit Do You Actually Need in Dubai?
Plain-English breakdown of deposit rules by buyer type, before you view properties.
Read more →UAE Mortgage Rates Explained: Fixed vs Variable, and What Moves Them
What actually drives UAE lending rates, and how to think about timing.
Read more →The 4% DLD Fee and Other Hidden Costs First-Time Buyers Miss
A full list of the costs sitting outside the headline deposit figure.
Read more →Yes. Several UAE banks lend to buyers who live and earn abroad, usually with a larger deposit and more documentation than for residents. We match you to the lenders that accept your country, income type and property.
Speak to a Piptan Finance advisor.
Fifteen minutes is enough to know what you can borrow, from whom, and what you will need.