Mortgage solutions with leading UAE banks — without stress
We select the most suitable bank, prepare all documentation, and support the process through to property handover. An international team with many years of experience working with UAE banks.
04/
Commercial Property Financing
03/
Mortgage Refinancing
02/
Equity release
01/
Mortgages for ready and off-plan properties
Mortgage solutions with leading UAE banks — without stress
We select the most suitable bank, prepare all documentation, and support the process through to property handover. An international team with many years of experience working with UAE banks.
04/
Commercial property financing
03/
Mortgage refinancing
02/
Equity release
01/
Mortgages for ready and off-plan properties
Запишитесь на бесплатную консультацию по ипотеке в ОАЭ
Оставьте свои контактные данные — наш менеджер свяжется с вами удобным для вас способом.
Why Us
Initial approval within 3–7 business days
Access to 20+ banks and mortgage programs
No upfront fees until bank’s approval
For UAE residents and non-residents
Why mortgage
Repayment through rental income
Attractive Interest Rates
Property-backed loans
Mortgage solutions without income in the UAE
Mortgage payments can often be covered by rental income, which is typically higher than local mortgage rates.
From 4% to 7% per annum in AED, depending on the bank, customer profile, and property type.
Opportunity to acquire additional property or renovate an existing one.
Property financing without a UAE income.
Strong expertise in UAE banking with Russian-language support
9/10
We offer:
We understand the requirements of UAE banks and the expectations of Russian-speaking customers, supporting transactions from the initial consultation through to loan disbursement.
Ipoteka.ae is a UAE-licensed company with an international team and extensive banking experience in the UAE and CIS countries.
clients recommend us to their network
20+
banks and mortgage programs
Ensure a legal and transparent transfer of funds to the UAE — with no grey schemes
preparetion and structure a complete set of required documents
the most suitable bank based on your profile — salary income, business income, or dividends
5 Simple Steps to Approval
Important:
If one bank declines, we submit your application to alternative banks — without the need to collect documents again.
05
Approval
We obtain final approval and coordinate the signing of all documents
04
Selection
We present the most suitable options based on terms and timelines
03
Submission
We submit your application for initial approval to multiple banks
02
Documentation
We prepare the complete set of documents for bank submission
01
Consultation
We conduct an initial consultation and assess your profile
Frequently Asked Questions
Консультация
Проведём первичную консультацию и оценим ваш профиль
Yes, several banks offer mortgage solutions for expatriates who do not have UAE-based income or bank accounts.
For UAE residents: from 20%.
For non-residents: typically 40–50%, depending on the bank.
For non-residents: typically 40–50%, depending on the bank.
For UAE residents:
- Passport
- Visa
- Emirates ID
- Salary certificate or employment contract
- Bank statements for the last 6 months
- In some cases — employer’s trade license and financial statements for the last 12 months
- Passport
- Utility bill from your country of residence
- Salary certificate from your employer
- Bank statements for the last 6 months
- In some cases: tax returns
- Credit bureau report from the country of residence (we can assist in obtaining this document)
For UAE residents:
- Monthly income starting from AED 10,000
- Minimum employment period with the current employer: 6 months
- For business owners — company ownership for at least 2 years with confirmed income
- Monthly income equivalent to at least AED 15,000
- Minimum employment period with the current employer: 6 months
- For business owners — company ownership for at least 2 years with confirmed income
The information on this website is for general informational purposes only and does not constitute financial or legal advice. Final terms depend on the bank, client profile, and property. Loan approval is not guaranteed and is granted at the sole discretion of the banks
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