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Start prequalification"Three banks rejected me for being freelance. KSquare got me approved in eleven days."
"Five years into my old mortgage. One Online meeting. Refinanced the same week."
"Buying from London — James had me sorted from 4,000 miles away. Keys in six weeks."
Managing Director
Sachi Modi is the founder of KSquare with over 12 years of experience in real estate. She leads the company’s strategic direction with a focus on growth and operational excellence.
Chief Operating Officer & Head of Mortgages
Experienced mortgage leader with 20+ years in financial services and banking. Building a next-generation mortgage platform focused on scale, trust, and execution excellence.
Featured · Mortgage BasicsYes — whether or not you live here. What no two sources agree on is how much you can borrow: search the question and you will be told 50%, 60%, 65% and 75% of the property value in the same afternoon. They are not contradicting each other by accident. For a foreign buyer who does not live and earn in the UAE, there is no single published ceiling, only the routes individual banks run. This is what those routes are, what each one needs, what the monthly instalment looks like, and how to match your income to the right bank.
There is a formula, and it is not a percentage of your salary. A UAE bank starts from half your monthly income, subtracts every commitment you hold — including 5% of credit card limits you have never touched — and lends against what is left, at a stress rate it does not publish. That is why two people on the same salary get offers seven hundred thousand dirhams apart, and why a mortgage calculator based on salary alone so often gives the wrong answer.
Ask why a mortgage would get rejected and every article gives you the same five bullet points: low credit score, low income, high debt, missing documents, property issues. All true, and all useless, because none of them tells you which stage your file failed at or what the bank was actually looking at.
Almost nothing about the lending changes. Loan-to-value ceilings, the 50% debt burden cap, tenure limits and the early settlement fee are federal, set by the Central Bank, and identical in both emirates. What changes is the registry, the bill at the counter — roughly half of Dubai’s on the same purchase — and one question no Dubai buyer has ever had to ask: whether the title you are buying has an expiry date. Where it does, the bank shortens the mortgage to match — and your monthly payment goes up.
