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Rates are indicative. Final pricing confirmed at offer-letter stage after credit assessment.
EMIStart with live UAE mortgage rates and an instant repayment preview before opening the advanced calculator.
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EligibilityFind out how much your qualify for based on your income, liabilities, and profile.
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LTVSee loan-to-value for your purchase or refinance goal — across resident and non-resident bands.
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PrequalShare your income, liabilities, and property target for a lender-ready estimate before applying.
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 · Buyer GuidesAlmost 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.
Refinancing replaces your existing mortgage with a new one on different terms. It takes four forms: a straight buyout for a better rate, a buyout with equity released alongside it, a pure release against a property owned outright, or a facility booked in a company name. The structure follows the goal.
How much a UAE bank will release & the three routes to getting there : what the funds are approved for, and what are the transaction costs.
For the right borrower with a prepared file, a mortgage in the UAE can be simple and straightforward, three to six weeks, clean set of documents, one valuation, the mortgage is done.
