Your home loan, shopped across 18 banks — at bank-direct rates.
Urban Nest Consulting finds and negotiates your UAE mortgage across our full bank panel, at no extra cost to you. One advisor, complete transparency, and an eligibility answer before you've finished your coffee.
indicative rate
Illustrative only. Your real rate depends on salary, credit profile and bank policy — we confirm it for free in one call.
Mortgage categories we place.
Whether you're on a UAE payroll, running your own business, or investing from abroad — there's a lending path for you.
Residents
- Salaried Residents
- Self-Employed Residents
Non-Residents
Foreign nationals and expats living outside the UAE with property investment goals here.
Bank policies at a glance.
Typical terms across our partner banks for salaried applicants — your exact terms depend on your profile.
Documents you'll need.
The list differs slightly if you're salaried or self-employed — your consultant confirms exactly what your shortlisted banks require.
Valid KYC Documents
Passport, Visa & Emirates ID
Income Documents
6 months bank statements, salary certificate & pay slips
Relationship Proof
Required in case of a joint application
Variable Income Proof
Rental income, annual bonus, education / flight / telecom / travel allowances
KYC
Passport, Visa & Emirates ID
Company Documents
Trade licence, Memorandum of Association (MOA), certificate of incorporation
Income Documents
Company & personal bank statements, audit report, VAT returns
Business Profile
Company profile, sample invoices & cheque copies
Office Proof
Landline bill, office / warehouse / factory Ejari
Credit Report
AECB report — company & personal
Ten steps from application to keys.
We manage every stage in parallel with your shortlisted banks, so nothing sits waiting on your desk.
Document Collection
We gather and pre-check your file so it's bank-ready the first time.
Pre-Approval
Submitted across your shortlisted banks in parallel, not one at a time.
Bank Valuation
Independent valuation of the property scheduled and tracked for you.
Final Offer Letter (FOL)
Compare final terms side by side before you commit to one bank.
Personal Loan (if needed)
Arranged where a shortfall in funds needs bridging.
Sign FOL
We review every clause with you before signature.
Loan Disbursement
Funds released by the bank per the agreed schedule.
Manager's Cheque
Prepared and verified ahead of transfer day.
Liability Settlement
Any existing liability against the property is cleared.
Transfer at Trustee / Developer Office
We're on hand at transfer to make sure it closes cleanly.
One consultant, every type of home loan.
Whether it's a first home, a second property, or unlocking value from one you already own.
Same rates. A lot less legwork.
Going to one bank means one offer. We put your file in front of 18 — at no extra cost, and no worse a rate.
18 Banks vs. 1
We shop across 18 UAE banks to find the best fit for your profile.
Same Interest Rates
You get the exact same rates you'd be offered going directly to the bank.
Faster Processing
A streamlined workflow across every shortlisted bank means quicker approvals.
Complete Transparency
No hidden steps — you're informed at every stage of the process.
Tailored Matching
We understand your requirements and suggest the right bank for you, not just any bank.
Exclusive Offers
Access to deals and rate promotions not available to the general public.
High Priority Status
Our high-volume bank partnerships give your application priority treatment.
Single Point of Contact
One dedicated advisor handles everything for you, start to finish.
What it's actually like to work with us.
Real outcomes from residents, non-residents and first-time buyers across the UAE.
"Got offers from four banks within a week. I ended up with a rate I didn't even know I qualified for — same cost as going direct, way less hassle."
"As a non-resident buying from London, I was expecting a nightmare. Urban Nest handled everything end to end, including the valuation and transfer."
"Self-employed applicants usually get the short end of the stick. They knew exactly which bank would work with my business documents."
"Refinanced our existing mortgage and dropped our monthly payment noticeably. The whole thing took under three weeks."
Questions buyers usually ask.
Yes. UAE nationals, residents and non-residents can all apply — though the down payment, maximum loan amount and required documents vary by residency status and lender.
For salaried residents, most banks require a minimum salary of AED 10,000 per month, with at least 3 months of salary credits into your UAE bank account.
Rates currently start from as low as 3.75% for well-qualified salaried applicants, with the maximum loan tenure going up to 25 years.
Yes — most of our partner banks allow partial settlement of up to 30% of the outstanding loan per year with no early-settlement charges.
No. Our advisory service is free for homebuyers and you receive the exact same rates as applying directly — we're compensated by the lender once your mortgage is disbursed.
Most pre-approvals are issued within 24–48 hours of receiving your complete document set — sometimes the same day.
Let's find your rate.
Share a few details and a mortgage consultant will get back to you within one business day with a shortlist of offers you're likely to qualify for.