Property Price
Down Payment
Est. Monthly EMI
6,670
Assumption: 4.5% p.a. • 25 years • Illustration only
Your Dream Home.
Prepared Smarter.
Zero Baraqa advisory fees. We help you prepare a bank-ready file and access competitive lender options via licensed broker platform partner(s)—subject to lender criteria and approval.
Baraqa is not a bank or licensed mortgage broker. Applications (if any) are processed via licensed broker platform partner(s) and submitted to lenders. No guarantee of approval, rate, or timeline.
The Process
Simple, Transparent, Clear.
Know your budget
Eligibility + down payment ranges in minutes.
Get bank-ready
Document checklist + submission hygiene.
Close smoothly
FOL + transfer-day prep (third-party dependent).
*Processing times and outcomes depend on broker partner processes and lender discretion.
Features & Benefits
Power comes from everything working together.
A single flow that helps borrowers understand the UAE process and prepare cleaner submissions (subject to lender and broker partner requirements).
Lender options via licensed partners
We help you prepare a clean file for submission through licensed broker platform partner(s), then lenders decide.
Baraqa is not a bank or licensed mortgage broker. Lenders decide approvals, rates, and timelines.
*Statements are general and may vary by lender and broker partner operations.
Example UAE lenders (via licensed broker platform partners)
Availability and products change. Listing is illustrative and not an endorsement.
The Path to Ownership
Educational process overview. Baraqa is not a bank or licensed mortgage broker. Submissions (if any) are via licensed broker platform partner(s) and lenders decide.
Check Eligibility
Get an estimated borrowing range in minutes.
Pro Tip for residents
Start with down payment and DBR basics.
*Timelines are estimates only and depend on third parties and lender processes.
Pre-Approval (via licensed broker partner + lender)
Prepare your file for submission through a licensed broker platform partner.
Pro Tip for residents
Salary certificate and bank statements are common requirements.
*Timelines are estimates only and depend on third parties and lender processes.
Property Valuation
Lender-appointed valuation confirms property value for underwriting.
Pro Tip for residents
Ensure property access is arranged for the valuer.
*Timelines are estimates only and depend on third parties and lender processes.
Final Offer Letter (FOL)
Review and sign final lender terms (subject to lender policy).
Pro Tip for residents
Review insurance and fees carefully.
*Timelines are estimates only and depend on third parties and lender processes.
Transfer & Handover
Trustee-day steps: transfer, mortgage registration, and key collection.
Pro Tip for residents
Carry original Emirates ID and required cheques.
*Timelines are estimates only and depend on third parties and lender processes.
Mortgage Solutions
Examples by borrower profile (subject to lender policy).
Salaried Employees
Common requirements vary by lender and profile.
- LTV varies by lender and profile
- Rates vary by lender and profile
- Salary transfer rules depend on lender
Self-Employed
Documents and eligibility vary by lender policy and business profile.
- Often based on business income/profit
- Case-by-case assessment
- Business vintage requirements vary
Non-Residents
Eligibility and LTV vary by lender policy and country profile.
- LTV varies by lender
- No UAE residency needed in some cases
- Remote processing may be possible
Unlock New Revenue Streams.
Partner with Baraqa to help clients prepare cleaner submissions and navigate milestones. Partner compensation (if any) is governed by written agreements and applicable disclosures.
Note: Partners may receive referral fees where applicable; details should be disclosed to clients as required.
Grow with Baraqa
Process support and cleaner submissions—subject to broker partner and lender processes.