The 9 Best Mortgage Brokers in Dubai (2026)

Updated November 2026 · 9 picks

The best mortgage brokers in Dubai for expats and non-residents in 2026 include Allsopp & Allsopp, Phillips & Walls Mortgage Brokers, Huspy, Finnxstar, Kredium and Capital Zone, plus Knight Frank and Engel & Völkers for buyers who want mortgage advice alongside an agency. Each has its own website and a Dubai office, and each publishes services for expats or overseas buyers. Check licences and fees in writing before you commit.

How we chose

Mortgage brokers handle sensitive financial documents and influence a large purchase, so we kept the bar practical. Every firm here is currently operating, has its own website and a Dubai office address published on that site, states a clear focus on mortgages, and shows evidence of serving expats, non-residents or international clients. Several are brokerages with a dedicated mortgage team; for those we link the mortgage page, not the sales site.

Nothing is ranked by fee or rate, no firm paid to be included, and there are no affiliate links. Claims are the firms' own, as stated on their sites. This page is not financial advice.

Mortgage lending in the UAE is regulated by the Central Bank of the UAE, which publishes its mortgage loan regulations in its online rulebook. Brokers in Dubai should hold a relevant licence, so ask any broker for its licence details and check its trade licence with Dubai Economy and Tourism (DET) before you sign anything.

A mortgage broker in Dubai compares lenders for you, prepares the application and liaises with the bank. The bank makes the lending decision, not the broker. For expats and non-residents the value is mostly in knowing which lenders accept your income, country of residence and documents.

Pick by your situation. If you live overseas, look for a broker with a dedicated non-resident service. If you live in the UAE, a broker that handles resident and expat cases, buyouts or off-plan final payments may fit better. Ask each one how it is paid before you share documents.

1. Allsopp & Allsopp Mortgages — Motor City

In-house mortgage team of a large Dubai agency, with a non-resident page.

Specialty Resident and non-resident purchases, buyer pre-approvalBest for Expats, overseas investors and first-time buyers

Allsopp & Allsopp's mortgage page says its in-house mortgage team will find the best available rates in the UAE. It covers resident and non-resident buyers and publishes answers on deposits, documents and timing.

The page says non-residents can be funded subject to individual profiling, with a maximum loan-to-value of 60% for non-residents at the time of writing, and that banks normally respond within 2 working days with a pre-approval taking 5 to 7 working days once documents are in.

Good to know: Ask which lenders it would approach for your nationality and income source, and what it charges if the mortgage does not complete.

Control Tower, Motor City, Dubai, UAE

Google Maps Website

2. Phillips & Walls Mortgage Brokers — Al Barsha 1

UK and UAE mortgages for residents and non-residents, including buy-to-let.

Specialty UAE and UK mortgages, buy-to-let, remortgageBest for UK and other expats, non-residents and investors

Phillips & Walls Mortgage Brokers LLC says it advises on home loans in both the UK and UAE markets, covering new purchases, remortgages, buy-to-let and equity release. Its site has separate routes for non-resident, off-plan, resident and self-employed mortgages.

The firm describes itself as fully licensed mortgage brokers in the UAE and offers a free initial consultation with a no-hidden-fee approach, as its site puts it.

Good to know: If you are a UK national buying in Dubai, ask whether it handles both the UAE purchase and any UK mortgage you hold.

The Iridium Building, Um Suqeim Street, Al Barsha 1, Dubai, UAE

Google Maps Website

3. Huspy — Business Bay

Mortgage and property platform with a published non-resident route.

Specialty Mortgage pre-approval, refinancing, property searchBest for Residents, expats and non-resident buyers

Huspy's mortgage page says getting a mortgage in the UAE is possible for most people, including UAE nationals, expat residents and non-residents, with rates and terms differing by residency status. It describes support from pre-approval to disbursal.

The site says its experts have over 20 years of experience at global and UAE banks and that it offers a faster approval route with selected banks. It also lists property search and listings alongside its mortgage service.

Good to know: Its FAQ says the down payment cannot come from the mortgage itself, so have your deposit funds ready before you apply.

7th Floor, The Bay Gate, Business Bay, Dubai, UAE

Google Maps Website

4. Finnxstar — Business Bay

Dubai broker with dedicated expat, non-resident and Islamic financing pages.

Specialty Expat, non-resident and Islamic home financingBest for Expats, overseas buyers and investors

Finnxstar's site lists mortgages, corporate loans and building loans, with separate pages for home loans for expatriates, non-resident mortgages, Islamic home financing and property conveyancing. It says its advisors work with a wide lender network and assist clients across the UAE.

The site's FAQ addresses how Dubai banks verify foreign income for expats and non-residents, a common sticking point for overseas buyers.

Good to know: Use its document checklist first; foreign income and overseas bank statements are where non-resident applications often slow down.

1st Floor, Opal Tower, Business Bay, Dubai, UAE

Google Maps Website

5. Kredium — Trade Centre

Property portal with a mortgage broker and a non-resident page.

Specialty Home loans plus property search and calculatorsBest for Residents, expats and non-resident buyers

Kredium calls itself a UAE real estate portal and mortgage broker. Its site offers home loan options for UAE nationals, expats and non-residents, with a dedicated page on mortgages for non-UAE residents.

Its About page lists a Dubai office on the 33rd floor of The H Hotel Office on Sheikh Zayed Road, and the site includes mortgage calculators alongside property search.

Good to know: Use the portal to estimate repayments for a specific property, then ask for lender quotes based on your residency status.

The H Hotel Office, 33rd Floor, Office 3303, 1 Sheikh Zayed Road, Trade Centre, Dubai, UAE

Google Maps Website

6. Capital Zone Mortgage Brokers — Business Bay

Independent broker with desks for residents, non-residents and the self-employed.

Specialty Non-resident, self-employed and refinancing casesBest for Expats, non-residents and business owners

Capital Zone says it is an independent mortgage broker registered with DET, with specialized desks for residents, non-residents, self-employed applicants and buyouts. It says it compares home loan rates across 20-plus partner banks.

Its pages cover non-resident home loans, equity release and refinancing, and its guidance stresses that only banks approve loans.

Good to know: Ask to see the full comparison across banks, not just the shortlisted offer.

Clover Bay Tower, Office 405 & 406, 4th Floor, Business Bay, Dubai, UAE

Google Maps Website

7. FCMB (First Choice Mortgage Broker) — Barsha Heights

Publishes a licence number and a dedicated non-resident route.

Specialty Non-resident mortgages, buyouts, refinancingBest for Overseas buyers, expats and investors

FCMB says it is licensed by the Dubai Department of Economy and Tourism and regulated by the Dubai Land Department, and publishes a professional licence number on its site. It says it has more than 18 years in the market.

Its non-resident page says it arranges mortgages for people living overseas who are buying in the UAE as an investment or holiday home. It also covers buyouts and refinancing.

Good to know: Check the licence number it publishes with DET yourself, as you would for any broker.

Office 2512, DAMAC Smart Heights, 7 Al Nahar 2 Street, Dubai, UAE

Google Maps Website

8. Knight Frank Mortgage Advisory — Dubai Media City

International agency's advisory team for UAE, UK, US and European mortgages.

Specialty International buyers, off-plan final-payment financeBest for Overseas and international buyers and investors

Knight Frank's mortgage advisory page says it offers advice on mortgages in the UAE, UK, US and Europe. Listed services include new-purchase mortgages, mortgage buy-outs and financing the final payments on off-plan properties through local and international banks.

The team says it manages the application on your behalf, including collecting documents, completing forms and liaising with the bank. That suits international buyers who also want market guidance from the agency.

Good to know: If you hold property in more than one country, ask how the team coordinates the UAE loan with finance elsewhere.

39th Floor, Media One Tower, Al Falak Street, Dubai Media City, Dubai, UAE

Google Maps Website

9. Engel & Völkers Mortgage Services — Jumeirah Village Triangle

Mortgage advisors at an international agency, with a non-resident guide.

Specialty Mortgage advice alongside agency servicesBest for Buyers, investors and non-residents

Engel & Völkers Dubai's mortgage page says its advisors compare banks, rates and loan structures for buyers and refinancers, and offers a free mortgage consultation. It describes working with a network of banks and lending partners across the UAE.

Its resources section includes a guide, Dubai Mortgage for Non-Residents, covering eligibility, documents and banks, which makes it a useful starting point for overseas buyers.

Good to know: Read its non-resident guide first, then bring your questions to the free consultation.

Al Khail Plaza, 7th Floor, Jumeirah Village Triangle, Dubai, UAE

Google Maps Website

Frequently asked questions

Can non-residents get a mortgage in Dubai?

Often yes, but terms depend on the lender and your profile. Several brokers in this guide publish non-resident mortgage services, including Allsopp & Allsopp, Huspy, Capital Zone and Finnxstar. The Central Bank's mortgage rules set limits by borrower category for UAE nationals and expatriates; the rulebook page does not set out a separate non-resident category, so ask each lender how it treats overseas buyers.

How much deposit do expats need to buy property in Dubai?

The Central Bank's mortgage regulations cap the loan-to-value (LTV) ratio for expatriates at 80% for a first home valued under AED 5 million and 70% above AED 5 million, which implies a minimum deposit of 20% or 30% of the price. A second or investment property is capped at 60%, and off-plan purchases at 50%. Lenders can set lower limits, and fees such as the Dubai Land Department transfer fee are paid on top, so confirm your figures with a broker or bank.

Do mortgage brokers in Dubai charge a fee?

It depends on the broker, and this guide does not compare fees. Some offer a free initial consultation, as Phillips & Walls and Engel & Völkers describe on their sites, but how the broker is ultimately paid varies. Ask for the fee model in writing before you submit documents, and ask whether any fee is payable if the mortgage does not complete.

Does a broker decide whether I get the mortgage?

No. The lender approves or declines the application. A broker can compare banks, prepare your documents and speak to the bank for you. Be cautious of any broker that guarantees approval or a rate before the bank has assessed you.

How long does mortgage pre-approval take in Dubai?

It varies by bank and by how complete your documents are. Allsopp & Allsopp says banks normally give initial observations within 2 working days and that pre-approval usually takes 5 to 7 working days once additional documents are provided. Non-resident cases with overseas income documents can take longer, so ask your broker for a realistic timeline.

How do I check that a mortgage broker is licensed?

Ask the broker for its trade licence and professional licence details and check the trade licence with Dubai Economy and Tourism (DET). Confirm that the company named on your paperwork matches the company on the licence. Firms such as FCMB publish a licence number on their site, which you can use to start your check.

1. Allsopp & Allsopp Mortgages — Motor City

2. Phillips & Walls Mortgage Brokers — Al Barsha 1

3. Huspy — Business Bay

4. Finnxstar — Business Bay

5. Kredium — Trade Centre

6. Capital Zone Mortgage Brokers — Business Bay

7. FCMB (First Choice Mortgage Broker) — Barsha Heights

8. Knight Frank Mortgage Advisory — Dubai Media City

9. Engel & Völkers Mortgage Services — Jumeirah Village Triangle

Frequently asked questions

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