YOUAE Mortgages
Mortgage Brokers
Dubai
About
Services Offered
Key services YOUAE Mortgages provides for mortgage brokers clients in Dubai:
Areas of Dubai Covered
YOUAE Mortgages serves the following areas across Dubai:
Why Choose YOUAE Mortgages
- In 2024 the firm launched "Mr Mortgage," covered by Gulf News and Khaleej Times as the UAE's first mortgage AI avatar for handling client queries.
- Founder Yash Trivedi states his background includes time at HSBC and Mashreq before setting up the brokerage, giving an in-house-banking vantage point on lending criteria.
- Alongside standard residential and commercial finance, the firm names land/construction mortgages and offset mortgages among its products, structures less commonly advertised by Dubai brokers.
- The site states a specific focus on applicants "knocked back by a bank in the past," positioning itself around harder, previously-declined cases rather than only straightforward approvals.
How YOUAE Mortgages Works
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1
Pre-approval
Financial assessment and matching to a suitable lender for indicative pre-approval.
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2
Property valuation
The bank appoints a valuer once a property is selected.
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3
Formal offer
The bank issues a final offer letter after underwriting review.
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4
Disbursal
Funds are released to complete the transfer or refinance.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Frequently Asked Questions
Does YOUAE Mortgages cover Abu Dhabi as well as Dubai?
Yes. Its site states coverage across Dubai, Abu Dhabi and the wider UAE.
What is an offset mortgage?
An offset mortgage links a deposit account to the loan, so the balance held reduces the interest charged. It suits borrowers holding significant cash they do not want to lock into the property.
Is YOUAE licensed?
The company does not publish a licence number or naming regulator on its site. Ask which authority it is registered with.
What are the loan-to-value limits for a Dubai mortgage?
As general regulatory guidance rather than any one broker's offer: CBUAE mortgage regulations allow UAE nationals a higher loan-to-value ratio, meaning a smaller down payment, than expatriate residents. Non-residents face the most conservative limits, and properties valued above AED 5 million attract tighter ratios again. Your actual ratio depends on the lender, your residency status and the property. A pre-approval will confirm it.
What is the Debt Burden Ratio and why does it matter?
The Debt Burden Ratio is the share of your gross monthly income consumed by all debt repayments together, including the mortgage, personal loans and credit cards. Under CBUAE-aligned lending practice it is generally capped around 50 percent. It is assessed at pre-approval and applies regardless of which broker you use, so a broker cannot raise it for you.
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