Mortgage Solutions with Orfali

Purchasing property is a significant milestone, whether it’s for personal use or investment. Orfali simplifies the mortgage process, offering expert guidance and access to competitive rates to help you secure your dream property.

Consultants you can count on

At haus & haus, our purpose is to unlock opportunities for our clients on their Dubai real estate journey – empowering our team to deliver outstanding service and support; built on a foundation of trust, accountability and a strong sense of community.

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How Do Mortgages Work?

Securing a mortgage in Dubai typically involves:
Pre-Approval: Submit documents for lender approval before starting your property search.

Loan-to-Value (LTV) Ratio: Lenders often provide up to 80% LTV for expatriates and up to 85% for UAE nationals.

Interest Rates: Options include fixed and variable rates, generally ranging from 2.5% to 4.5% annually.

Documentation: Passport, visa, Emirates ID, salary certificate, bank statements, and proof of residence are required.

Why Choose Orfali?

Orfali works with over 21 reputable lenders to give you access to the best mortgage options. Our experts guide you through the process, ensuring competitive rates, suitable terms, and a smooth journey from pre-approval to final settlement.

Frequently Asked Questions

Who can apply for a mortgage in Dubai?

UAE nationals, expatriates, and corporate investors can apply, subject to lender eligibility criteria.

How much deposit is required?

Typically, 20% of the property value for expatriates and 15% for UAE nationals.

Can I get pre-approval before finding a property?

Yes. Pre-approval gives you a clear budget and strengthens your position when making offers.

What documents are needed for a mortgage application?

Passport, visa, Emirates ID, salary certificate or proof of income, bank statements, and proof of residence.

How long does it take to get mortgage approval?

Usually between 2–4 weeks, depending on lender requirements and document completeness.

Are there additional fees?

Yes. There may be processing fees, valuation fees, and registration charges. Orfali guides you through all costs for transparency.