Mortgage & Home Financing Support in the UAE
Buying, refinancing, or unlocking equity from your UAE property — Aikya coordinates your case with licensed banks and mortgage partners so you get the right financing without the runaround.
Mortgage files are prepared by Aikya Advisory and submitted to licensed UAE mortgage brokers and banks. All assessment, underwriting, approval decisions, interest rates and loan terms rest solely with the bank or licensed broker. We are not a lender and we do not guarantee approval — every credit decision rests with the bank. We charge you no fee for this service. Where we are paid, it is a referral fee from the bank or broker that receives your application. We never charge a commission on loan value, a percentage of any amount borrowed, or a success fee.
How We Can Help
New Home Loan
Guidance and coordination to secure financing for a new property purchase.
Refinance
Explore switching to better rates or terms on an existing mortgage.
Equity Release
Options to unlock value from a property you already own, without selling.
Golden Visa Property Financing
Mortgage support specifically for clients pursuing the Property Investor Golden Visa route.
How It Works
Free Consultation
Tell us your budget, property, and financing goal.
Profile Review
We assess your eligibility and match you with suitable bank/finance partners.
Application & Documentation
We help prepare and submit your application through the right partner.
Approval & Disbursal
Your case is tracked through to final approval and fund disbursal.
What You'll Typically Need
- Passport and Emirates ID (or visa) copies
- Salary certificate / proof of income (or company documents if self-employed)
- 6 months of bank statements
- Property details (title deed or sale agreement, if already identified)
Exact requirements vary bank to bank and are confirmed at consultation.
Frequently Asked Questions
Can non-residents get a UAE mortgage?
Many banks offer financing to non-resident buyers under specific conditions; we confirm what's available for your profile.
What's the difference between a conventional and an Islamic mortgage?
A conventional mortgage charges interest on the loan; an Islamic (Sharia-compliant) mortgage structures the transaction so the bank purchases the property and leases or resells it to you instead of charging interest.
How long does mortgage approval take?
Timelines vary by bank and how complete your documents are; we give you a realistic estimate after your profile review. [confirm typical timeframe before publishing]
Can I use a mortgage toward Golden Visa property investor eligibility?
In many cases mortgaged property can qualify if a sufficient portion has been paid — we confirm this against current criteria and your specific case.