First Home Buyer Guidance
Helping you confidently purchase your first property with clear explanations of down payment, eligibility, total costs, and bank options.
About Mortgage House
Smarter mortgage advice, built around you.
The Mortgage House Advisory is a Dubai-based mortgage consultancy focused on one thing: helping you make confident, informed property financing decisions. Whether you are buying your first home, investing in rentals, or refinancing an existing loan, we help you understand your options and secure financing that truly fits your life.
We are independent, we compare offers from multiple UAE banks, and we guide you from the very first conversation all the way to receiving your keys.
Who We Are
The Mortgage House Advisory is a specialised mortgage consultancy based in Dubai, UAE. We work with individuals, families, and investors who want clear, unbiased guidance on home financing.
Instead of sending you directly to a single bank, we act as your personal mortgage partner: we understand your profile, map out what you can realistically afford, and compare mortgage products from multiple UAE banks on your behalf.
Our role is to simplify a process that is often confusing and stressful — so you can focus on choosing the right property while we handle the technical side of finance and bank approvals.
Why we exist
Getting a mortgage should not feel overwhelming. We believe every buyer deserves clarity, honest advice, and a team that is firmly on their side.
We work closely with leading UAE banks, yet remain focused only on one priority: recommending what genuinely serves your needs and long-term financial goals.
Our Mission
To make home financing transparent, simple, and stress-free for everyone.
We believe that you should always know what you are signing, what it costs, and why it is the right move for you. No jargon, no hidden agenda — just clear guidance.
Our Values
Trust
We act in your best interest — always. We do not push a single bank or product. We present options fairly and help you choose what is right for you.
Clarity
No jargon, no confusion. We translate complex mortgage terms into simple language and keep you informed at every step.
Care
Your home journey matters to us. Buying a property is a big decision, and we treat your case with the same care we would give our own family.
What We Help With
From first-time buyers to seasoned investors, Mortgage House supports a wide range of property financing needs across the UAE.
Investment Property Mortgages
Structured financing for buy-to-let properties and portfolio growth, including yield analysis and cash-flow awareness.
Refinancing & Rate Switching
If you are paying a high mortgage rate, we explore better options in the market and help you move to a more competitive deal.
Islamic Home Finance
Sharia-compliant mortgage options from top UAE Islamic banks, with transparent profit-rate structures and clear terms.
Equity Release & Cash-Out Finance
Unlock equity from a property you already own to fund renovations, new investments, debt consolidation, or business needs.
Construction / Land + Build Finance
Financing solutions to purchase land and build your own villa, with staged releases aligned to construction milestones.
How We Work With You
A simple, structured process designed to keep you informed and confident at every step of your mortgage journey.
01
Free Consultation
We start with a straightforward conversation via call, WhatsApp, or video. We listen to your goals, answer your questions, and outline what is realistically possible for your profile.
02
Eligibility Review & Bank Comparison
We review your income, employment, and existing obligations, then compare multiple banks, rates, and products to identify the best-fitting mortgage options for you.
03
Documentation & Pre-Approval
We guide you through the documentation, help you avoid common mistakes, and work with the selected bank to secure a pre-approval as efficiently as possible.
04
Final Approval & Property Handover
Once you choose your property, we coordinate with the bank and the seller or developer. We stay with you until the mortgage is disbursed and you receive the keys.
Who We Work With
First-time Buyers
You are buying your first home and want someone to explain every step clearly — from down payment and fees to monthly repayments and bank choices.
Expats & Overseas Clients
You live and work in the UAE or abroad and want to purchase property here. We help you navigate residency rules, salary criteria, and which banks will lend to your profile.
Investors & Landlords
You are focused on returns, portfolio growth, or restructuring existing loans. We design financing that matches your investment strategy and long-term goals.
Why Clients Choose Mortgage House
Independent & Unbiased Advice
We are not tied to one bank. We compare mortgages across multiple UAE lenders so you see the full picture and choose the option that genuinely suits your profile and plans.
Fast, Efficient Pre-Approvals
Time matters in the UAE property market. We streamline your application, prepare your file correctly, and work with banks to move your pre-approval forward quickly.
End-to-End Support
From your first enquiry to final signing and key handover, we stay involved, answer your questions, and coordinate with all parties to keep things on track.
Frequently Asked Questions
Answers to some of the most common questions we receive.
Do you charge a fee for your consultation?
Our initial consultation and basic mortgage assessment are completely free. We review your eligibility, walk you through your options, and only move forward if you are comfortable.
Which banks do you work with?
We work with a wide network of leading UAE banks and Islamic banks. This allows us to compare multiple offers — interest rates, fees, and product types — and present the best options for your situation.
I am an expat. Can I get a mortgage in the UAE?
In many cases, yes. Eligibility depends on your residency status, employer, income, and country of origin. During our first discussion, we assess your profile and advise which banks are most likely to approve your application.
How long does it take to get pre-approved?
Timelines vary by bank and profile, but typically pre-approval can take from a few days to a couple of weeks once all documents are complete. Our aim is to make this process as smooth and quick as possible.
Can you help if I already have a mortgage but want a better rate?
Yes. We regularly assist clients with refinancing and rate switching. We review your current mortgage, compare it with available offers, and help you move to a more competitive package if it makes financial sense.
Do you only help with residential property?
Our main focus is residential properties — apartments and villas — for own use or investment. In some cases, we can also assist with financing for investment units and land + build projects, depending on bank policies at the time.
Ready to explore your mortgage options?
Whether you are just starting to think about buying a home or you are ready to apply, we are here to guide you with clear, unbiased advice.