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OWN SOONER.

One advisor on your side, from first conversation to final key. Every local and international UAE bank at the table.

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INDEPENDENT ADVICE

Independent, conflict-free advice. Your interests are the only ones at the table.

Most brokers are paid to place you. We are paid to represent you. Tangerine holds no lender allegiances and no placement targets. Advice starts from your position, never from a bank’s product sheet. When the best deal for you earns us nothing extra, that is still the deal we fight for.
THE LENDERS
YOUR SIDE

ABOUT TANGERINE

The Tangerine mortgage advisory team

We’re paid to be on your side, not the bank’s.

Tangerine is a boutique mortgage advisory in Dubai, UAE. Through an open, whole-of-market approach, we pair institutional rigour with genuinely personal service, comparing every lender, negotiating on your behalf, and handling the detail, so the right home loan simply finds you.

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arranged in home loans

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families helped

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Founder-led with 19+ years of experience, backed by a team with 30+ years of collective expertise.

CALCULATOR

Your numbers, made clear.

Shape the figures to your budget and watch your monthly commitment resolve in real time. No sign-up, no calls.

AED 2,500,000
300K20M
25% · AED 625,000
15%60%
25 years
5 yrs25
4.20% p.a.
2.5%7%
AED 10,105
AED 1KAED 120K
Estimated monthly
AED 10,105
per month over 25 years
Loan amountAED 1,875,000
Down paymentAED 625,000
Total interest / profitAED 1,156,551
Total repayableAED 3,031,551
Principal 62%
Interest / Profit 38%

WHY TANGERINE

The independent advantage.

Professional to the decimal point, personal to the last detail. The calm, expert route to financing a home in the UAE, with the entire market on your side.

Whole-of-market

The whole market compared, so you never chase a rate.

Fast approvals

Pre-approval in as little as 48 hours*. We chase the bank, never you.

Expat specialists

Financing shaped for non-residents and expatriate buyers.

A Tangerine advisor meeting with clients
Sharia-compliant

Islamic home finance, explained with real clarity.

No hidden fees

Transparent costs. We answer to you, not a lender.

WhatsApp support

A real advisor on chat, never a call-centre queue.

*See our pre-approval terms

OUR PROCESS

Four steps, expertly handled.

One dedicated advisor, and none of the heavy lifting. Here is how it unfolds.

Step one: speaking with an advisor
STEP 01
Speak with an advisor

A conversation, not a form. Fifteen unhurried minutes.

Step two: comparing the banks
STEP 02
We compare the banks

The whole market, negotiated on your behalf.

Step three: handling the approval
STEP 03
We handle approval

Paperwork, valuation, and the chasing, all on us.

Step four: collecting the keys
STEP 04
Get your keys

From final offer to handover, we stay close.

OUR SERVICES

How can we help you today?

A first home, business premises, an off-plan purchase, or a Sharia-compliant structure. Whatever the ambition, we compare the market and shape the financing around it.

A couple at home, relaxed on the sofa
Residential Financing

Bespoke terms for your first home, or your forever one.

A business owner opening the shutter of an empty commercial unit
Commercial Financing

Premises, buildings and land, financed properly.

A couple on a balcony pointing at a tower under construction beside a Dubai Metro station at sunset
Off-Plan Financing

The finance lined up long before handover.

A non-resident buyer with a suitcase arriving at an apartment overlooking Bluewaters and Ain Dubai
Non-Resident Financing

Buy here while you live and earn abroad.

An Emirati family at the window of their new home, looking out over a villa community at sunset
Sharia Financing

Home finance with profit, not interest.

SUCCESS STORIES

Stories that end at a front door.

Thank you so much for your relentless effort. I appreciate your professionalism; it’s rare to find these days. You are doing it really well, and yes, many more to come.

Dixon Pereira

Tarun made the entire mortgage process seamless. His honest advice, transparency and constant communication gave us complete confidence from start to finish.

Moheba

Tarun kept us updated without us ever having to chase him, compared offers from multiple banks and explained the pros and cons of each. His honest advice gave us complete confidence. Highly recommended.

Hiba & Mohammed

OUR BANK PANEL

On the panel of leading UAE banks.

Independence is the point. Because we answer to you and never to a lender, the whole market works in your favour.

01/05

INSIGHTS

Clarity, before you commit.

VIEW ALL ARTICLES →
A sunlit living room
GUIDES
How much deposit do you really need in the UAE?
5 min read
A row of villas at sunset
RATES
Fixed vs variable: which wins in 2026?
4 min read
A father lifting his child in their new home
EXPATS
The expat’s first-mortgage playbook
6 min read

COMMON QUESTIONS

Answers, minus the fine print.

A family celebrating in their new home
  • Pre-approval in 48 hours*
How much can I borrow?
As a guide, UAE nationals can borrow up to around 85% of the property value on a first home, and expats up to 80%. Your Debt-Burden Ratio keeps total repayments at or below 50% of income. We’ll get you a real number fast.

You’ll usually need your passport and visa, or your Emirates ID if you live here. Add a salary certificate or employment letter, plus three to six months of payslips and bank statements. Self-employed applicants also need a trade licence and audited accounts. After the first call, we send you a checklist for your exact profile.

Pre-approval can take as little as 48 hours* once we have all your documents. Final approval follows the property valuation. We chase the bank at every step, so you never have to.

Yes. Expat residents can usually borrow up to 80% of a first home under AED 5 million, or 70% above that. Your repayments must stay within the 50% debt-burden limit on your income. Non-residents can borrow too, usually with a bigger deposit. We compare the banks that lend to your profile.

It depends on your plans. A fixed rate holds steady for an initial one to five years. A variable rate moves with EIBOR and usually costs less to exit early. We compare both across 15+ banks. Then we show you the total cost of each over the years you expect to keep the loan.

Let’s get you the keys.

Speak with an independent advisor. No obligation, no pressure, simply a clear and honest view of what’s possible.

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Your details stay with your advisor. Nothing goes to a lender without your go-ahead.

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