My Mortgage
Info CheckedMortgage Brokers
Motor City, Dubai
About
My Mortgage was founded in 2017 and operates from Motor City with a team of approximately 28 professionals. The firm provides personalised mortgage advisory with a dedicated advisor assigned to each client from start to completion.
Mortgage Services
- New purchase mortgages
- Mortgage buyout and refinancing
- Equity release
- Non-resident mortgages
- Handover payment financing
- Commercial mortgages
Key Differentiators
My Mortgage emphasises transparency and a hassle-free process. As a boutique broker, each client receives personalised attention with a single advisor managing their case end-to-end — from initial consultation through to bank disbursement.
Services Offered
Key services My Mortgage provides for mortgage brokers clients in Dubai:
Why Choose My Mortgage
- Independent broker that compares and arranges home loans across multiple UAE banks
- Founded in 2019 with a dedicated team of mortgage advisors
- Covers the full journey: financial profiling, pre-approval, paperwork and property transfer support
- Handles specialist cases including non-resident, equity-release and handover-payment financing
- Stated values of integrity, transparency and accountability
How My Mortgage Works
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1
Financial profiling
Review your financial profile and home-ownership goals to align on the right mortgage approach.
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2
Product evaluation
Compare and shortlist mortgage products from multiple banks to match your needs.
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3
Pre-approval & paperwork
Manage the documentation and coordinate your pre-approval with the lender.
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4
Property transfer support
Assist through final approval and the property transfer once the mortgage is in place.
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 the UAE?
Under current Central Bank rules, expats can typically borrow up to 80% of the value for a first property priced at AED 5M or below (85% for UAE nationals), with around 60-65% for a second or subsequent property. Off-plan purchases are usually capped near 50%. A broker reviews your profile to confirm what you qualify for.
Can non-residents get a mortgage in the UAE?
Yes. Non-residents can invest in UAE property with mortgage financing, typically around 60% funding, and My Mortgage arranges non-resident mortgages including instant pre-approval.
What is mortgage pre-approval and how long is it valid?
Pre-approval is a lender confirming in principle how much they will lend before you finalise a property. It generally remains valid for around 60 days under typical market practice.
What fees should I expect when taking out a mortgage?
Typical costs include DLD mortgage registration of 0.25% of the loan amount plus AED 290, a property valuation fee (usually around AED 2,500-3,500), and a bank arrangement fee (often about 1% of the loan, lender-dependent). Lenders also generally require life and property insurance.
What is the Debt Burden Ratio (DBR)?
DBR is the share of your monthly income used for debt repayments. Under Central Bank rules total monthly debt repayments are capped at 50% of income, which affects how large a mortgage you can be approved for.
Can I refinance or buy out my existing mortgage?
Yes. A mortgage buyout lets you refinance an existing UAE mortgage and switch to a lower interest rate or better terms; My Mortgage handles the buyout process between lenders.
Can I release equity from a property I already own?
Yes. Equity release lets you access cash against an existing property, typically up to around 60% of its value, subject to lender assessment.
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