Mortgage services · UAE
Shreem Elite arranges eight mortgage services in the UAE, from home loans to equity release, and compares banks to fit your income and property.
Our services
Pick the service closest to where you are today. Each page explains the rules, the documents and the costs, and one advisor guides you through.
Home loan
For salaried and self-employed buyers. We compare the banks and build the application around your income, not a template.
80%
Up to 80% of a first home worth up to AED 5M for expat residents. Bank-dependent.
Pre-approval
We prepare your file, compare banks and show a realistic budget, so you can bid and sign with confidence.
Budget first
A pre-approval is subject to valuation, documents and final bank approval.
Off-plan
Banks treat off-plan differently. We check the developer, the project and your own funds before you sign.
50%
Maximum lending on off-plan property under Central Bank rules.
Non-resident
We explain the documents, the limits and the steps for overseas buyers, and guide you remotely.
From abroad
Finance UAE property while you live and earn overseas.
Islamic
Ijara and Murabaha structures compared against a conventional offer, so you decide on cost and comfort.
Ijara · Murabaha
Sharia-compliant home finance. Subject to bank approval.
Refinance & buyout
We total the settlement, valuation and transfer costs first, and tell you honestly whether switching saves money.
Switch
Move to a better rate or bank when the savings beat the costs.
Commercial
Banks assess the property, the rental income and your company accounts, not only a salary.
Commercial
Offices, retail units and warehouses, assessed on income and accounts.
Equity release
Borrow against property you already own for your next purchase or investment. We show the monthly impact first.
Equity
Borrow against the value of property you already own.
Two ways to finance
Both routes are available through us. We show the offers side by side so you can decide on cost and comfort.
The bank lends you the money and you repay it with interest, usually on a fixed rate for an initial period and then a variable rate.
A Sharia-compliant structure, such as Ijara or Murabaha, where the bank buys the property and you pay it back under a profit-based agreement.
How we compare banks
We compare offers from our partner banks and show you the strongest options with the real costs, not just the advertised rate.
You deal with the same person from the first call to the transfer. No call centres, no repeating your story.
We prepare your file the way each bank wants it, follow up on valuations and keep every deadline moving.
You see every fee before you commit: bank, valuation, Land Department and transfer costs. No surprises at the trustee office.
FAQ
Home loans, pre-approval, off-plan, non-resident, Islamic, refinance and buyout, commercial mortgages and equity release. One advisor handles your case from start to finish.
Buyers usually start with pre-approval. Owners with an existing mortgage start with refinance, and investors look at off-plan or commercial finance. We will point you to the right one in the first call.
Yes. We compare conventional and Sharia-compliant offers side by side, subject to each bank’s approval and your eligibility.
We match your income type, residency, property and loan size to each bank’s criteria, then compare the total cost, not only the headline rate.
You can speak to an advisor first. We explain how we are paid and what each step costs before you commit to anything.
Start today
Tell us what you are buying and where you are today. We will point you to the right service and the right banks.
Or leave your details below and an advisor will contact you.
