MENU

RESIDENTIAL MORTGAGE

YOUR HOME
KEY, SOONER.

One advisor compares 15+ UAE banks for you, then handles the paperwork right through to your keys.

RATES FROM

3.75%

PRE APPROVAL

48 HOURS*

BANKS COMPETING

15+

*See our pre-approval terms

GET A CALL BACK
CHAT WITH AN ADVISOR
ON THE PANEL OF LEADING UAE BANKS
Abu Dhabi Islamic Bank
Standard Chartered
Arab Bank
Commercial Bank of Dubai
Emirates Islamic
Emirates NBD
HSBC
Mashreq
National Bank of Fujairah
RAKBANK
United Arab Bank
Bank of Baroda
Ajman Bank
Dubai Islamic Bank
Sharjah Islamic Bank
First Abu Dhabi Bank

SIXTY SECONDS

Do you qualify? Find out.

No credit score impact · An advisor calls you

Residential quick check

Most buyers qualify for more than they expect. An advisor confirms your numbers by WhatsApp or a call.

IS THIS YOU?

You’ll recognise yourself in one of these.

Three sentences we hear every single week. If one is yours, this page was written for you.

“We’re paying serious rent, and it’s starting to feel like someone else’s mortgage.”

→ RENT BECOMES EQUITY

“We’ve saved something. We just don’t know if it’s enough to start.”

→ ONE CALL ANSWERS THIS

“We want one person to tell us the truth about what we can afford.”

→ THAT’S THE WHOLE JOB

WHOLE OF MARKET

Every bank keeps a door. We know which ones open.

Fifteen lenders, fifteen sets of criteria, and only a handful that will say yes to your exact profile this month. We already know which, so you walk to the one door that opens instead of knocking on fourteen that don’t.

Fourteen bank doors that stay shut, and the one that opens for you. FOURTEEN THAT DON’T THE ONE THAT DOES

HOW WE CAN HELP

Whatever your stage, there’s a route.

Eight ways we can structure a residential mortgage, whatever stage your purchase is at.

A bright living room ready to move into

Buying a home

You have found the home. Now you need the mortgage behind it.

New

A ready home bought straight from the developer.

Resale

A ready home bought from its current owner.

Off-Plan

A home that is still being built.

House keys held up at a front door

Getting the keys

Your developer is ready to hand over, and the balance is due.

Handover

The balance due when the developer hands over your keys.

Handover + Equity

The handover balance, plus cash released from the same home.

A family relaxing at home

Already own one

The home is yours. Now make it work harder for you.

Equity

Cash released from a home you already own.

Buyout

Your mortgage moved to a bank with a better rate.

Buyout + Equity

A switch of bank and a cash release in one move.

Why go through us?

Why not just walk into a bank?

You could. These are the six things you would be signing up for, and what we do with each one instead.

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

01
  • One File
AT A BANK

Fifteen branches. Fifteen sets of paperwork.

One conversation, one file that we carry everywhere.

02
  • Panel pricing
AT A BANK
The listed rate. Take it or leave it.

Rates from across the market, matched to you.

03
  • NO CHASING
AT A BANK
You chase the bank for every update.

We chase everyone. You get a WhatsApp.

04
  • 48 HOURS*
AT A BANK

Four to six weeks, if nothing slips.

Approval in principle in 48 hours*.

05
  • NO SURPRISES
AT A BANK

Fees you discover at signing.

Every fee agreed before you start.

06
  • SHORTLIST
AT A BANK

Multiple products in every segment, at every bank. Choose from each section.

We narrow them to what suits you better.

Ready?

Make them compete for you.

One call. No obligation, no cost, no pressure.

SPEAK WITH AN ADVISOR

THE MONEY, UP FRONT

This month’s rate ranges.

Refreshed monthly. Your exact rate depends on profile and bank appetite.

1 YEAR FIXED
from 3.75%

Certainty while you settle in.

MOST CHOSEN BY FIRST TIME BUYERS

2 YEARS FIXED
from 3.89%
Longer calm, slightly higher.
3 YEARS FIXED
from 3.99%
Longest certainty on the card.

THE HONEST NUMBERS

Buying costs roughly 7 to 8% above the price: DLD, agent, bank and registration fees. And all charges are disclosed before you commit. Nothing surprises you at signing.

Rates are indicative, not offers. Tangerine is an advisory, not a lender.

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%
Pre-approval48 hours*

01/05

HOW IT GOES

Four steps between you and your keys.

Four conversations between this call and your keys. Step through them.

01

Tell us the dream

Fifteen unhurried minutes. Budget, area, timeline, and what “home” actually means to you.

Fifteen minutes · No obligation
02

We compare the banks

We take your profile to our lender panel and bring back rates, terms and fees side by side, in plain language.

15+ lenders · One comparison
03

We handle approval

Paperwork, valuation, follow-ups. We chase the bank so you never have to sit on hold.

Documents · Filed for you
04

Get your keys

Final sign-off, funds released, doors open. We stay on the line right through settlement.

Settlement · Fully supported
Tap a step to see it
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
01 / 04
Step 01 · Tell us the dream

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

STILL WONDERING

Answers, minus the fine print.

Anything else? WhatsApp us.

How much deposit do I really need?

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.

Most banks look for a minimum monthly salary of around AED 15,000, and your total repayments, this mortgage included, have to stay within 50% of your income. We’ll tell you exactly where you stand in the first conversation.

Usually four to eight weeks from our first call to your keys: as little as 48 hours* to pre-approval, then valuation, the final offer and the transfer at the trustee office. Off-plan follows the developer’s handover date.

Yes. Pre-approval fixes your budget in writing before you fall for a property, shows sellers you can move, and takes as little as 48 hours*. It commits you to nothing.

ALSO EXPLORING?
Sharia Home Finance
Off-Plan Mortgage
Non-Resident Mortgage
COMMERCIAL

READY WHEN YOU ARE

Let’s get you the keys.

Tell us where you are and an advisor calls you back. No obligation, no pressure.

We provide what is best for you

Nobody here is paid by a bank.

15+ lenders

We approach the ones that fit you.

Clear from the start

All charges are disclosed before you commit.

Prefer to talk? +971 50 312 8955

GET A CALL BACK2 MIN
Call back request

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

Chat on WhatsApp

SPEAK WITH AN ADVISOR

Let’s talk it through.

Leave a few details and an advisor will call you back at the earliest. No obligation.

Request a quote (modal)

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

PREFER TO CHAT