About
Espace Mortgage Services is the dedicated financing arm of Espace Real Estate, one of Dubai's most respected property agencies since 2009. With a 150-strong team across the wider group and fully qualified mortgage advisors, Espace combines deep property market insight with expert financing guidance — giving buyers a seamless end-to-end experience from property viewings to mortgage completion.
As an award-winning brokerage with strong banking relationships across the UAE, Espace's mortgage division has access to competitive rates from over 20 lenders. Their advisors are experienced in handling resident, non-resident, and self-employed mortgage applications, making them a natural fit for international buyers drawn to Dubai's freehold communities.
Mortgage Services
- Residential purchase mortgages for villas and apartments
- Mortgage pre-approval and affordability assessments
- Refinancing and equity release
- Non-resident mortgage solutions for overseas investors
- Off-plan property financing coordination
- Islamic (Sharia-compliant) home finance options
Bank Partnerships
Espace works with all major UAE lenders including Emirates NBD, HSBC, ADCB, Mashreq, FAB, and DIB. Their established relationships allow them to negotiate preferential rates and expedited processing for their clients.
Key Differentiators
- Integrated property search and mortgage service under one roof — no need for separate agents
- Over 15 years of Dubai real estate expertise informing mortgage advice
- Specialist knowledge of villa communities including Arabian Ranches, The Springs, and Meadows
- Transparent fee structure with no hidden charges
Services Offered
Key services Espace Mortgage Services provides for mortgage brokers clients in Dubai:
Why Choose Espace Mortgage Services
- Mortgage arm of an award-winning Dubai agency — Espace has operated in Dubai real estate since 2009.
- Qualified, experienced mortgage advisors who guide residents and expats through the full home-loan process.
- Relationships with many banks and lenders, so advisors can help compare options across the market.
- Part of a full-service agency — sales, leasing, property management and mortgage support under one roof.
- Free mortgage calculator and consultation to estimate repayments before you apply.
How Espace Mortgage Services Works
-
1
Book a free consultation
Contact an Espace mortgage advisor by phone or WhatsApp to discuss your budget and goals.
-
2
Assess affordability
The advisor reviews your income and commitments and helps estimate borrowing capacity, including using the mortgage calculator.
-
3
Compare lenders and pre-approve
Espace draws on its relationships with multiple banks to compare products and arrange your mortgage pre-approval.
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4
Complete the purchase
The advisor supports you through valuation, final offer and mortgage registration so no step is missed.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Frequently Asked Questions
How much can I borrow for a home loan in Dubai?
Under current Central Bank of the UAE rules, expats can typically borrow up to 80% of the property value (loan-to-value) on a first home priced AED 5M or below, and UAE nationals up to 85%. A second or subsequent property is usually capped lower, around 60–65%, and off-plan purchases are typically limited to about 50%. Your advisor confirms what applies to your case.
Can expats and non-residents get a mortgage in Dubai?
Yes. Espace assists both UAE residents and expats with mortgage advice and the full application process, working with banks across the market to find a suitable product.
What is the maximum monthly repayment I can have?
UAE lenders apply a Debt Burden Ratio (DBR): total monthly debt repayments are generally capped at 50% of your monthly income. This affects how large a mortgage you can be approved for.
What fees should I budget for a Dubai mortgage?
Typical costs include mortgage registration at the Dubai Land Department (0.25% of the loan amount plus a small admin fee), a property valuation fee (commonly around AED 2,500–3,500) and a bank arrangement fee (often around 1% of the loan). Lenders also generally require life and property insurance. Always confirm current figures with your advisor and bank.
How long is a mortgage pre-approval valid?
Mortgage pre-approvals in the UAE are typically valid for around 60 days. This lets you shop for a property knowing your approved budget before committing.
Does Espace charge for mortgage advice?
Espace offers a free mortgage consultation and an online calculator to estimate repayments. Confirm any costs directly with the advisor before proceeding.
Does Espace work with more than one bank?
Yes. As an established agency, Espace has relationships with many banks and lenders, so its advisors can help you compare mortgage products rather than being tied to a single lender.
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Explore Area
Business Bay
Rental Yield
7–9%
Avg Price/sqft
AED 1,400–2,500
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