Dubai · Abu Dhabi · Sharjah
Your mortgage, managed.
The mortgage is the boring part.
We keep it that way.
One advisor puts 17 UAE banks in competition for your loan — then handles every document, deadline and phone call until you have the keys. You just pick the home.
We negotiate with all of them
AED 2.1B+
mortgages arranged
17+
partner banks
4.9/5
client rating
24h
file review
The honest question
“Why not just walk into my bank?”
Your bank has one shelf
It can only offer its own products. We hold live pricing and policy for 17 banks — including campaigns and unpublished rates. The spread between the best and worst comparable offer right now is over 1%. On AED 1.5M, that's about AED 850 a month.
Credit teams have moods
Every bank has unwritten preferences — employers it likes, income it discounts, files it fast-tracks. We package your application for the credit team most likely to say yes, first time. Fewer checks on your credit file, faster approval.
Nobody chases for you
A mortgage has ~40 steps across bank, valuer, developer, trustee and land department. When you go direct, you are the project manager. With Baraqa, we are — and we do it every day.
Run your numbers
What would it actually cost?
Real math, including the fees other calculators forget. Slide, don't type.
Monthly payment
AED 6,189
- Loan amount
- AED 1,200,000
- Upfront costs (DLD, agency, fees)
- ≈ AED 108,720
- Cash needed to buy
- AED 408,720
Indicative. Best current fixed rate: 3.78% — verified against 17 banks.
The process
Four steps. We run three of them.
Talk
15 minutes, phone or WhatsApp. We map your position and give you a straight answer on what's possible.
Pre-approve
We package your file for the right bank and submit it once every document is checked. Timing then depends on the bank — we keep you updated at every step.
Choose
Find the home you love. Your pre-approval makes every offer you make more credible.
Complete
Final offers negotiated, valuation booked, transfer chased. You show up once — to collect keys.
Whatever you're doing
Built for your situation, not a segment.
Client stories
People remember how it felt.
"Our bank offered 4.99%. Baraqa came back in two days with 3.95% at a bank we hadn't considered — and handled every document. We saved the cost of a car.""As a business owner I'd been rejected twice. Baraqa restructured how my income was presented and I was pre-approved in a week. Nobody else even explained why I'd been declined.""I bought from London without a single flight. Documents by email, updates on WhatsApp, keys collected by my agent. Faultless.""They told me not to refinance yet — the math didn't work. Six months later they called me when it did. That's when I knew these people were different."The questions everyone asks.
What does Baraqa cost me?
For most clients, Baraqa's advice is free. We're paid on completion, through the licensed brokerage platforms that process applications — and that doesn't change your rate. For unusually complex cases we may charge an advisory fee; if so, we'll tell you the amount and agree it with you in writing before any work starts. Third-party costs (bank, valuation, government fees) still apply as normal, and we itemize them for you before you commit. No surprises, ever.
Why not just go to my own bank?
Your bank can only show you its own shelf. In today's matrix the gap between the sharpest and the most expensive comparable offer is over 1% — on AED 1.5M, that's roughly AED 850 a month. We put 17+ banks in competition for you, and we know each credit team's unwritten preferences.
How much can I borrow?
Up to the point where your total monthly debts reach 50% of income, at a maximum 80% of the property value (85% for UAE nationals, first home under AED 5M). Our borrowing power calculator gives you a number in 30 seconds; a pre-approval makes it official.
How fast can I get approved?
It varies. Pre-approval depends mainly on how complete your documents are and on the bank — some respond within days, others take several weeks. Full approval through to transfer takes longer. Self-employed and non-resident files often need extra time. We review your file within 24 hours and give you a realistic timeline once we know which bank fits your case.
What's the minimum salary for a mortgage?
AED 10,000/month opens the market's most competitive banks. A handful of lenders consider lower with strong profiles. Self-employed income counts too — it's assessed differently, not excluded.
Can I get a mortgage as a non-resident?
Yes. A focused set of banks lends to non-residents at up to 60–65% LTV, entirely remotely. No UAE visa required.
Ready when you are.
A 15-minute conversation. No documents, no pressure, no obligation. Just clarity on your options.