Finance that fits your plan
Market-aware mortgage sourcing, lender negotiation and application management - so you borrow with confidence and clarity.
Why does a mortgage partner matter in Dubai?
Dubai’s mortgage market is useful but fragmented: lenders publish headline rates, but eligibility, required documentation and effective cost differ materially by nationality, employment type and loan-to-value. A mortgage partner turns a long checklist into a one-call outcome: the right product, a realistic repayment plan, and a lender who will accept your file.
Owners and buyers commonly underestimate:
Effective cost
is more than headline rate - consider fees, upfront penalties and service schedules.
Eligibility nuances
(self-employed, foreign income, remittance proof) change lender options
Timing & bridging
off-plan timelines, handover dates and escrow payments need aligned financing.
TCR helps you avoid the common pitfalls and speeds approvals with a lender-ready pack.
Clear finance outputs you can trust on
We provide tangible, lender-ready outputs tailored to your goal (buy, refinance, portfolio leverage, off-plan):
Indicative Affordability Note
quick estimate of how much a bank will lend and expected monthly payment. (Free, fast.)
Pre-Approval Letter
a conditional pre-approval from a lender (subject to document verification).
Mortgage Comparison Pack
side-by-side lender terms: rate, fees, early repayment terms, processing time.
Lender Pack (application-ready)
assembled documents (title, payslips, bank statements, tenancy) and a completed application form.
Refinance Strategy
LTV optimisation, fee vs. rate trade-offs, break-even timeline.
Off-plan finance mapping
staged payment & bridging options and refinancing roadmaps post-handover.
Calculate the right mortgage
Quickly estimate your monthly mortgage on any property.
Book Your Property Valuation
Property price
AED
Deposit
AED
Mortgage period
Years
Interest Rate
%
Monthly Payment:
AED 0
Total Purchase Costs
0 AED
Total Required Upfront
0 AED
Ready to take the next step?
Our team of experts can help you find the best mortgage rate for your purchase journey.
How we work - the TCR mortgage workflow:
Pre-Check & Affordability
Free assessment of eligibility, indicative loan size and repayment.
Deliverable: Indicative Affordability Note
Lender Matching
We compare lenders by rate, fees and acceptance likelihood for your profile.
Deliverable: Mortgage Comparison Pack
Document Assembly
We prepare the Lender Pack and liaise with you to fill gaps.
Deliverable: Complete Lender Pack
Application & Negotiation
Submit to preferred lender(s), manage queries, and negotiate terms where possible.
Deliverable: Conditional Pre-Approval / Final Offer
Closing & Disbursement
Coordination with lawyers/trustees for transfer, final underwriting and disbursement scheduling.
Deliverable: : Disbursement Plan & Trustee Schedule
Post-close support
Refinance re-evaluations, repayment optimisation, and documentation handover.
Renting is 37.5% more economical than buying each month
FAQs
Everything you need to know about TCR Property Management services.
Indicative pre-check: within 24 hours. Formal pre-approval (conditional on docs): typically 3–10 business days depending on lender and file completeness.
Most banks require a minimum 20% down payment for expatriate buyers and around 15% for UAE nationals. Off-plan or non-resident purchases may require up to 25–30% depending on the lender and project stage.
Yes. TCR maintains partnerships with leading UAE lenders and mortgage brokers, enabling access to a wide range of products, rates, and approval criteria. This ensures clients receive unbiased guidance and competitive financing options tailored to their profile.
Absolutely. TCR assists clients in refinancing or restructuring existing loans to reduce monthly payments, consolidate debts, or switch to more favorable fixed or variable rate terms. We liaise directly with lenders to ensure minimal disruption to your repayment schedule.
There’s no single 'best' lender — suitability depends on the developer, project stage, and buyer profile. However, several UAE banks offer specialized off-plan financing with flexible disbursal schedules and developer-approved tie-ups that TCR can help you evaluate and secure.
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