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The independent UAE mortgage advisory comparing all UAE lenders for you

Approved by DLD, Licensed by DED and Regulated by RERA

Mortgages done right. Friends for life.

5 Advisors Online

An honest answer from a KSquare advisor can save you thousands of dirhams

Direct emailReplies within 1 working hourContact WhatsAppQuickest replies · usually < 2 minContact Ask Kelly AI24/7 · trained on UAE mortgagesAsk now Book appointmentPick a 30-minute advisor callBook now
Mortgage Rates

Find your rate in 10 seconds.

Tell us how you earn — we'll show you the best rate available today.

Live · today
Employed Resident
Employed Resident
Starting from
3.78%
Property insuranceAnnual · on outstanding balance
0.005% p.a.
Life insuranceMonthly · on outstanding balance
0.018% p.m.
Max LTVFirst property · ready
80%
Max tenor
Up to 25 yrs

Rates are indicative. Final pricing confirmed at offer-letter stage after credit assessment.

Trusted by 14+ UAE lenders

We work with every major UAE bank.

One application. Every UAE bank in the market competing for it. You only see the three offers that actually beat the others.
Emirates NBD
First Abu Dhabi Bank
Mashreq
RAKBANK
Dubai Islamic Bank
ADIB
Commercial Bank of Dubai
Sharjah Islamic Bank
Emirates Islamic
Ajman Bank
Commercial Bank International
National Bank of Fujairah
Run the numbers

Decide with numbers, not guesswork.

Four tools that mirror UAE lender underwriting — use them before the first advisor call.
Mortgage CalculatorEMI

Mortgage Calculator

Start with live UAE mortgage rates and an instant repayment preview before opening the advanced calculator.

Calculate EMI
Eligibility CalculatorEligibility

Eligibility Calculator

Find out how much your qualify for based on your income, liabilities, and profile.

Check eligibility
LTV CalculatorLTV

LTV Calculator

See loan-to-value for your purchase or refinance goal — across resident and non-resident bands.

Run the LTV
PrequalificationPrequal

Prequalification

Share your income, liabilities, and property target for a lender-ready estimate before applying.

Start prequalification
Real clients · Google verified

1,200 families.
One story they share.

★★★★★4.9 / 5
"They just got it done" — the one sentence we hear most.
★★★★★

"Three banks rejected me for being freelance. KSquare got me approved in eleven days."

Saved · AED 180K over 25y
Farah Haddad
Videographer · Dubai
★★★★★

"Five years into my old mortgage. One Online meeting. Refinanced the same week."

Saved · AED 62K over 5y
Vikram Shah
Engineer · Abu Dhabi
★★★★★

"Buying from London — James had me sorted from 4,000 miles away. Keys in six weeks."

Non-resident · UK → JVC
Sophie Whitmore
Investor · London
Meet the team

The two people behind every KSQUARE mortgage.

20+ years in the UAE market each. They own the strategy on every file so you know exactly who's working on yours.
Portrait of Sachi Modi

Managing Director

Sachi Modi

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.

12yrs
in UAE mortgage
AED 1.4B
Placed Lifetime
4.9/5
Client Rating
Portrait of Vishal Vij

Chief Operating Officer & Head of Mortgages

Vishal Vij

Experienced mortgage leader with 20+ years in financial services and banking. Building a next-generation mortgage platform focused on scale, trust, and execution excellence.

20+yrs
Banking + Advisory
2.1k+
Files Placed
94%
Approval Rate
FAQs

Quick answers before you book.

What deposit do I need to buy a property in the UAE?+
For UAE residents, a 20% deposit is required on properties under AED 5M, or 30% on properties above AED 5M. Non-residents typically need 25% to 50% depending on the lender. Note that the deposit must come from your own funds — borrowed deposits are not permitted by the UAE Central Bank.
How long does the UAE mortgage process take from start to finish?+
A typical UAE mortgage takes 3 to 5 weeks from pre-approval to drawdown. Pre-approval itself is usually issued within 3 to 7 working days once all documents are submitted. The lender valuation adds 5 to 10 working days and the legal transfer at the Land Department is usually a same-day appointment.
Can I buy off-plan with a mortgage in Dubai?+
Yes. Most UAE banks now lend on off-plan purchases from approved developers. Disbursement is staged — typically 50% on handover and 50% during the construction milestones. Note that LTV caps remain the same as ready property, but only a smaller subset of lenders offer competitive rates.
What costs should I budget for beyond the property price?+
Plan for around 7% to 8% of the purchase price in transaction costs: 4% Dubai Land Department fee, 2% agency commission, AED 4,200 trustee fee, 0.25% mortgage registration, plus bank processing fees (0.5% to 1%) and a property valuation fee of AED 2,500 to 3,500.
What is the difference between a fixed and variable rate mortgage?+
A fixed rate locks your interest rate for 1 to 5 years, giving payment certainty. A variable rate moves with EIBOR (the UAE benchmark) plus a lender margin, so payments rise or fall with the market. Most UAE borrowers choose a fixed rate for the introductory period, then reassess at the end of the fix.
What is EIBOR and how does it affect my mortgage?+
EIBOR (Emirates Interbank Offered Rate) is the benchmark rate UAE banks lend to each other. Your variable mortgage rate is typically quoted as "3M EIBOR + 1.50%". When EIBOR moves, your rate adjusts at the next reset date — usually every 3 or 6 months.
All 16 FAQs →
Journal

This month on the blog.

Market reads, checklists, and decision guides written for UAE mortgage shoppers.
Read the blog →
5 Advisors Online

An honest answer from a KSquare advisor can save you thousands of dirhams

Direct emailReplies within 1 working hourContact WhatsAppQuickest replies · usually < 2 minContact Ask Kelly AI24/7 · trained on UAE mortgagesAsk now Book appointmentPick a 30-minute advisor callBook now