You've paid AED 180K in rent over 3 years. That's a 20% down payment right there.
Sound Familiar?
- Pain Point 1: Rent Eats Your Income Paying 6-8k/month = 72-96k/year After 5 years: AED 400k+ gone forever
- Pain Point 2: “Will the Bank Approve Me?” Non-resident? Changed jobs recently? You need clarity, not guesses.
- Pain Point 3: “When Can I Actually Move In?” Searching for months, no timeline. You want keys in hand, not maybe.
Here’s How We Solve It
- Step 1: Know Your Odds (2 minutes)
- Step 2: Pre-approval (5 days)
- Step 3: Viewings (1 week)See 3-5 properties matching your budget
- Step 4: Offer & Negotiation (12 days) We push for discount (median: 4-6%)
- Step 5: Keys in Hand (~45 days total) Move in. Start building equity.
Start with the Calculator→
- Principal and Interest
Mortgage Calculator (Interactive)
→What Are My Approval Odds?
→Monthly salary (AED): [slider 5k-50k]
→Employment status: [Resident / Non-resident]
→Years at job: [<1 / 1-2 / 2+ / 5+]
→Other debt payments: [slider 0-10k]
Real Example: Renter→Owner
Case Study: Ahmad, 32, Marketing Manager
Was paying: 7,500 AED/month rent Salary: 18,000 AED/month
Found: 1BR in Arjan, listed at 870k Closed at: 830k (negotiated 40k discount) Down payment: 85k (20%)
Monthly mortgage: 5,200 AED Timeline: 42 days (application to keys)
Result: Now paying LESS than rent + building equity.
Quote: “Don’t wait. The cost of renting is higher than the cost of buying—if you know where to look.”
See more cases→
Quick Answers
FAQ 1: Can I get a mortgage as a non-resident?
Answer: Yes. Expect 25% down payment (vs 20% for residents) and slightly higher rates. We work with 5 banks that approveexpats regularly: ENBD, ADCB, Mashreq, RAK Bank, CBD.
FAQ 2: What if I changed jobs recently?
Answer: Some banks accept 3-6 months employment. Most prefer 12+ months, but we’ll find the right lender for your situation.
FAQ 3: How much are service charges?
Answer: For properties under 1M, expect 15-25 AED per sqft per year. For a 700 sqft 1BR, that’s ~10,500-17,500 AED/year. We show exact charges on every listing before you view.
FAQ 4: Can I rent it out later?
Answer: Yes. Most areas under 1M have 6-8% rental yields. A 1BR in JVC bought at 850k can rent for 55-60k/year (6.5-7%).
FAQ 5: What’s included in the 45-day timeline?
Answer: 45 days is the median from mortgage application to keys. Breakdown: Pre-approval (5 days), property search (7-10 days), negotiation (12 days), final transfer (28 days).

