M. Alfalasi Private Advisory

Mortgage Services

Expert financial guidance and bespoke mortgage solutions tailored for high-net-worth individuals, ensuring seamless acquisition of prime assets.

Interactive Financial Planning

UAE Mortgage Calculator

Customize your property price, down payment, loan tenure, and editable interest rate to view real-time monthly repayment and financing breakdown.

AED
AED 300KAED 50M
25%
AED
0%
100%
Years
1 Year
30 Years

Click or type directly to edit

%
1.0%
12.0%
Monthly Payment6,095AED / Month
Principal (AED 1,125,000)
Total Interest (AED 703,366)
Loan AmountAED 1,125,000
Down Payment (25%)AED 375,000
Total Interest (4.25%)AED 703,366
Total RepaymentAED 1,828,366
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Specialized Mortgage Portfolios

Discover our bespoke financing options curated for exclusive properties.

First & Next Time Buyers
Tailored Solutions
Service List
01

First & Next Time Buyers

Purchasing your first property can be an exciting yet overwhelming journey. We offer personalized mortgage solutions to suit your financial profile.

02

Equity Release

03

Refinancing

04

Non-Resident Mortgages

Why Choose MFreuae

Unparalleled expertise paired with a seamless luxury experience.

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EXPERT GUIDANCE

Take advantage of our partnership with Mortgage Finder and our in-depth knowledge of the UAE real estate market.

EXPERT GUIDANCE

Your Mortgage Guide

Everything you need to know about property financing in the UAE.

The Ultimate Guide

There are many reasons why people are attracted to mortgage financing in the United Arab Emirates. First, the UAE is tax-free, with a stable economy and strong currency.

Mortgage financing in the UAE can be used to purchase a primary residence, a second home, or an investment property. Various mortgage products are available, including fixed-rate mortgages, adjustable-rate mortgages, and interest-only mortgages.

01. What is a Mortgage Loan?

A mortgage loan is a loan secured by a property – typically, a residential property – that the borrower is obliged to pay back, usually for years. The interest rate on a mortgage loan is generally lower than the interest rate on other types of loans because the lender knows that if the borrower defaults, they can sell the property to recoup their money.

02. Types of Mortgages

Many different types of mortgage products are available in the UAE, each with its own benefits. The most popular types of mortgages in the UAE are:

  • Fixed-rate mortgages: Offer stability and certainty, as the interest rate is fixed for the entire loan term.
  • Variable rate mortgages: These products offer more flexibility, as the interest rate can fluctuate over the loan term.
  • Tracker mortgages: These products track the movements of the UAE Central Bank's benchmark interest rate.
  • Islamic mortgages: These products comply with Sharia law and are therefore popular with Muslim borrowers.

Key Terms of Mortgage Finance

Price

During the mortgage process, the term "price" always refers to the property's value in consideration.

Down Payment

It is the amount that the loan applicant has to pay upfront to acquire the property. The required down payment generally is 15% or more for UAE nationals and 20% or above for expats.

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Insights & Clarity

Mortgage Services FAQs

Frequently asked questions about our mortgage services.

Yes. While residents can typically borrow up to 80%, non-residents can secure mortgages covering up to 50% to 60% of the property value, depending on the bank and the client's financial profile.