About
Cozmo Mortgages offers one of the broadest product ranges among Dubai mortgage brokers, comparing rates from 30+ UAE banks. Based in Al Barsha, the firm specialises in tailor-made solutions for various property financing scenarios.
Mortgage Services
- Home mortgages (up to 85% LTV)
- Land and construction mortgages
- Property equity release (70-80% LTV)
- Commercial mortgages
- Loan buyout and refinancing
- Non-resident mortgages
- Handover payment financing
- Buy-to-let mortgages
- Islamic home financing
- Multiple unit purchase financing
- Plot and land finance
Key Differentiators
Cozmo's strength lies in handover and near-handover payment solutions — a niche service particularly relevant for off-plan buyers approaching completion dates. Their 30+ bank partnerships provide comprehensive market coverage, and they support both UAE expats and non-residents.
Services Offered
Key services Cozmo Mortgages provides for mortgage brokers clients in Dubai:
Why Choose Cozmo Mortgages
- Independent broker comparing mortgage offers across 30+ UAE banks to find competitive rates
- Licensed by Dubai Economic Department (DED) and RERA
- Specialist support for UAE expats and non-resident buyers
- Tailor-made solutions for handover and near-handover payments
- Free 30-minute mortgage consultation with a response within 24 hours
How Cozmo Mortgages Works
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1
Free consultation
A free 30-minute consultation to assess your eligibility and goals, with a response within 24 hours.
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2
Compare bank offers
Cozmo compares mortgage rates and terms across its panel of 30+ UAE banks to shortlist the best fit.
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3
Application & documents
The team prepares your application and gathers the required documents for pre-approval.
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4
Lender liaison
Cozmo liaises with the chosen lender and negotiates terms on your behalf.
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5
Approval & offer
You receive the final mortgage offer; valuation and registration are completed to drawdown.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Licenses & Certifications
Licenses and certifications are subject to renewal. Verify current status with the issuing authority before engagement.
Frequently Asked Questions
How much can I borrow for a home loan in Dubai?
Under current Central Bank rules, expats can typically borrow up to 80% LTV on a first property priced at AED 5M or below (85% for UAE nationals), so a 15-20% down payment is generally required. A second or off-plan property usually requires a larger down payment. Cozmo confirms your exact eligibility during the free consultation.
Does Cozmo Mortgages charge me a fee?
Cozmo offers a free 30-minute mortgage consultation. As an independent broker it compares offers across its panel of UAE banks; brokers are generally remunerated by the lending bank rather than the client. Confirm the specific terms during your consultation.
Can non-residents get a mortgage through Cozmo?
Yes. Cozmo arranges mortgages for UAE expats and non-resident buyers. Non-residents generally face stricter criteria and a higher down payment, which the team assesses case by case.
What costs are involved besides the down payment?
Typical costs include a DLD mortgage registration fee of 0.25% of the loan amount plus AED 290, a property valuation fee (around AED 2,500-3,500), and a bank arrangement fee (typically about 1% of the loan). Lenders also generally require life and property insurance.
What is the Debt Burden Ratio (DBR) and how does it affect me?
Under Central Bank rules, total monthly debt repayments are capped at 50% of your income. This limits the loan size you qualify for, which Cozmo factors into its eligibility assessment.
What types of mortgages does Cozmo arrange?
Cozmo arranges residential home loans, buy-to-let and investment-property mortgages, handover and near-handover payment finance, refinancing and loan buyouts, equity release, Islamic finance, and commercial, plot and construction finance.
Is Cozmo Mortgages licensed?
Cozmo Mortgages is a trade name of Cozmo Mortgage Brokers LLC, licensed by the Dubai Economic Department (DED) and the Dubai Real Estate Regulatory Authority (RERA).
Location
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