KSQUARE Mortgage Advisory – Finally, mortgages done better

Independent Advice

Get the best independent advice that enables you to make smart financial decisions with confidence.

Open Architecture

A strong network and access to all leading financial institutions within and outside the UAE — we serve every mortgage need. A dream loan for every home (and situation).

Alignment of Interest

We provide focused, specific, and detailed service from start to finish, ensuring every single transaction ends with a smile.

Established in 2014,KSquare brings together a team of highly experienced mortgage professionals with an expertise across the UAE mortgage market. With a longstanding track record of success, we deliver tailored mortgage solutions designed to meet diverse needs of our clients with trust, transperancy and precision.

Latest Offers

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We Make life Happen

“With our expertise and extensive network, we’re able to provide multiple avenues to help our clients achieve their mortgage and real estate goals.”

“KSquare made what seemed like a complex mortgage process feel incredibly simple. Their team was transparent, responsive, and always had my best interests in mind. I felt supported from day one until the deal closed!”
— Amit Sharma, Property Investor, India

“As a non-resident buyer, I was overwhelmed with the idea of securing a mortgage in the UAE. KSquare not only guided me through every step but also secured a great rate through their vast network. Truly exceptional service!”
— Sarah Collins, UK Resident & Dubai Homebuyer

Loan Decision Tool

A smart, user-friendly feature to assess your mortgage eligibility and ideal financing options.

Our Product Offerings

We provide independent, conflict-free mortgage solutions tailored to every client’s needs. From first-time buyers to seasoned investors, our offerings cover residential, commercial, and Islamic financing with complete transparency.

How to Close On-Time

Avoid delays and stress. We ensure on-time closings with accurate pre-approvals and well-organized documentation.

Estimate Reverse Mortgage Benefits

Understand the financial value locked within your property with our Reverse Mortgage Benefit Estimator.

Frequently Asked Questions

When should I start my mortgage process?

Ideally, you should start as soon as you begin your property search. Getting a pre-approval not only defines your budget but also shows sellers and agents that you are a serious buyer.

How do I know if I’m eligible for a mortgage in the UAE?

Your eligibility is based on several factors, including:

Your income and employment type (salaried or self-employed)
Your credit score and repayment history
Your residency status and nationality
Your current liabilities and debt-to-income ratio
The down payment you can commit to

At Ksquare, we help you assess this upfront, so you’re never caught by surprise.

How much down payment is required in the UAE?

As per UAE Central Bank regulations:

UAE Nationals: 15% for properties under AED 5M, 30% for properties above AED 5M.
Non-Nationals: 20% for properties under AED 5M, 35% for properties above AED 5M.

We guide you through how best to structure this payment to suit your financial plan.

How long does the mortgage process take?

On average, approval takes 30–45 working days, depending on your profile and the bank’s requirements. With Ksquare, you’ll always have clarity on timelines and updates at every stage.

What fees will I pay for mortgage advisory?

Our consultation and advisory are free of cost to you—we’re compensated by partner banks. You can be assured there are no hidden charges from our side.

Why should I work with KSquare instead of going directly to a bank?

Working with one bank limits your choices. At Ksquare, we:

Provide access to multiple lendersand a wider range of mortgage products.
Offer neutral, client-first adviceto secure the best fit for you.
Simplify the process by handling paperwork, negotiations, and follow-ups.
Stay with you beyond the transaction, supporting your long-term financial journey.

What types of mortgages can KSquare help with?

We specialize in:

First-time buyer mortgages (residents & non-residents)
Buy-to-let mortgages for investors
Equity release & refinancing solutions
Commercial property financing
Islamic finance options

What kind of clients does KSquare work with?

We work with:

Salaried professionals in the UAE
Business owners and self-employed individuals
Non-resident investors looking to enter the UAE market
Families planning long-term housing and financial security

Empowering agents with instant pre-approvals, customized loan proposals, and real-time tracking — all to help you close deals faster and deliver a seamless client experience.