Mortgage Services at RealTrust: Enabling Your Dubai Real Estate Investments

Enhance Your Investment Strategy in Dubai

Dubai’s dynamic real estate market presents lucrative investment opportunities, and the right mortgage is key to leveraging these prospects. RealTrust is dedicated to ensuring that our clients have the financial tools and knowledge needed for successful real estate investments.

At RealTrust, we specialize in providing comprehensive mortgage solutions that cater to new buyers, seasoned investors, residents and non-residents looking to capitalize on the thriving Dubai real estate market. Our expert team is equipped to guide you through the complexities of mortgage financing, ensuring you secure the best terms suited to your specific investment needs.

Why Choose RealTrust for Your Mortgage Needs?

  • Tailored Mortgage Advice: Our mortgage specialists are deeply familiar with Dubai’s real estate landscape and financial institutions. They deliver personalized advice, helping you understand various mortgage products and how they align with your financial goals.

  • Wide Range of Mortgage Options: We collaborate with multiple lenders to offer you an extensive selection of mortgage choices, including fixed and variable rates, re-mortgaging options, and buy-to-let mortgages for investors. This variety ensures that you find the perfect mortgage to suit your circumstances.

  • Streamlined Application Process: We streamline the mortgage application process by handling all the paperwork, coordination, and negotiation on your behalf. Our efficient digital processes ensure that your mortgage application progresses smoothly, swiftly and you are fully updated in real-time.

  • Competitive Rates and Terms: Leveraging our strong relationships with banks and financial institutions, we negotiate on your behalf to secure the most competitive interest rates and favorable terms, helping you maximize your investment returns.

  • Comprehensive Support and Guidance: From your initial inquiry to the final approval, our team provides continuous support. We assist with property valuation, legal checks, and finalizing the mortgage agreement, ensuring a hassle-free experience.

  • Resident Mortgages in the UAE

    With extensive knowledge of the local home loan landscape and property transaction protocols, we streamline the mortgage process for you. Our team is dedicated to removing the complexities and hassle, making it easier for you to secure your home loan efficiently.

  • Non-Resident Mortgages in the UAE

    Explore investment opportunities in Dubai, Abu Dhabi, Ras Al-Khaimah and across the UAE with our specialized non-resident mortgage services. We offer exclusive low-documentation mortgage options designed to simplify the buying process for international investors. Our expert team is here to assist you every step of the way, ensuring a smooth and efficient mortgage experience.

  • Equity Release and Mortgage Buyouts in the UAE

    Maximize the value of your property with our Equity Release and Mortgage Buyout services. Whether you're looking to unlock equity from a property you own or seeking to refinance an existing mortgage to reduce costs, our expert team is ready to assist. We provide tailored solutions that meet your financial needs, ensuring a seamless and beneficial refinancing experience in the UAE.

  • Commercial Finance Solutions in the UAE

    Whether you're in the market to purchase a new building or aiming to release equity from an existing property, our experienced mortgage consultants are equipped to guide you. We offer specialized commercial finance services tailored to meet the unique demands of your business or investment portfolio. Our team provides expert advice and solutions, helping you make informed decisions to advance your commercial property goals in the UAE.

Contact Us

Mortgage Calculator

Discover the ease of planning your property purchase in Dubai with our free mortgage calculator. This user-friendly tool is designed to help you quickly estimate your monthly mortgage payments, giving you a clear understanding of what to expect when financing your new home. Ideal for potential homeowners and investors alike, our mortgage calculator simplifies the process, ensuring that you can make informed decisions with confidence. Take the first step towards your dream property in Dubai by calculating your mortgage payments today!

When purchasing a property in Dubai, there are one time costs and fees. These fees include:

Costs and fees breakdown:

  • Land Department Fee

    4% of the property value + 580 AED admin fee

  • Registration Fee

    4,000 AED for properties over 500,000 AED + 5% VAT

  • Mortgage Registration Fee

    0.25% of the loan amount + 10 AED admin fee

  • Real Estate Agency Fee

    Typically 2% of the property value + 5% VAT

  • Conveyancing Fee

    Depending on purchase price, between 6,000 and 10,000 AED inclusive of VAT

  • Bank Arrangement Fee

    Between 0.5% to 1% of the loan amount + 5% VAT

  • Valuation Fee

    Between 2,500 and 3,000 AED + 5% VAT

FAQs

  • RealTrust offers a variety of mortgage solutions in Dubai, tailored to meet clients' needs, including:

    Home Purchase Mortgages: For buying residential properties.

    Refinancing Options: To restructure existing loans.

    Buy-to-Let Mortgages: For purchasing rental properties.

    Non-Resident Mortgages: Available for international buyers.

    Commercial Mortgages: For business property investments.

    Eligibility Requirements:

    Vary depending on the type of mortgage and lender criteria.

    Typically include credit score, income verification, and property valuation.

    RealTrust provides expert guidance to help you navigate the mortgage process and meet eligibility criteria.

  • RealTrust assists clients in obtaining mortgages by:

    Guiding them through the application process.

    Connecting them with suitable lenders.

    Helping prepare and submit required documentation.

    Required Documentation:

    Proof of income (salary certificates, business financial statements).

    Identification documents (passport, Emirates ID).

    Property details (valuation reports).

    Bank statements and other financial records.

    RealTrust ensures all necessary documentation is accurately prepared and submitted, facilitating a smooth mortgage approval process.

  • When choosing a mortgage product or lender in Dubai, clients should consider the following factors:

    Interest Rates: Compare rates to find the most affordable option.

    Terms and Conditions: Understand the loan terms and repayment schedule.

    Fees: Be aware of any additional costs, such as processing or prepayment fees.

    Loan-to-Value Ratio: Determine the maximum loan amount relative to the property value.

    Repayment Options: Look for flexible repayment plans that suit your financial situation.

    Customer Service Quality: Choose a lender with strong customer support.

    RealTrust provides expert guidance to help clients evaluate these factors and make informed mortgage decisions.

  • Interest rates and terms for mortgages in Dubai can vary based on several factors:

    Market Conditions: Current economic trends and interest rate environment.

    Lender Policies: Different banks offer varying rates and terms.

    Borrower Profile: Individual credit scores, income levels, and financial stability.

    RealTrust stays updated on the latest mortgage rates and terms in Dubai and provides tailored advice to clients to help them secure the best mortgage options available.

  • RealTrust offers comprehensive guidance on the mortgage application process in Dubai, covering:

    Timelines: The process typically involves pre-qualification, documentation submission, property valuation, underwriting, and final approval, usually taking several weeks.

    Potential Challenges: Meeting lender requirements and addressing any issues during the process.

    We help clients navigate these steps effectively, ensuring they secure the best possible mortgage terms. Our expert support minimizes obstacles and streamlines the journey to mortgage approval.

  • Yes, mortgages are available for non-residents in Dubai up to 75% of the property value offering attractive rates and various options.

    RealTrust provides expert guidance to non-residents, helping them navigate the mortgage process and secure the best terms. Contact one of our specialists for more detailed information and personalized assistance.