As your trusted advisor, GDS Mortgage Consultancy will guide you through Dubai's home loan market. We recognize that getting a house is a thrilling process, and our diligent team is here to assist you at every stage.
Tailored Solution for Your Needs
We provide a variety of home loan services in Dubai that are custom-tailored to suit your individual needs and budget. Whether you are an experienced investor or a new entrant, we have the necessary skills to guide you through the process. We are committed to providing you with the best home loan service in Dubai.
Streamlining the home finance process
We aim to make home finance hassle-free and stress-free. We also offer more than just arranging loans. We utilize our vast network of contacts to negotiate the most favorable terms on your behalf.
Your Partner in Financial Security
With GDS Mortgage Consultancy, you have a partner who understands that financial security is a top priority. We not only provide home loans in Dubai but also support you through the home purchase process as well. You can feel at ease with our knowledge and solid commitment.
Building the home of your dreams
Willing to kick off the process of having your dream property in Dubai? We, at GDS Mortgage Consultancy, are willing to guide you. Feel free to contact us today, and we will help you make your homeownership dream come true.
At GDS Mortgage Consultancy, we help to make your dream of owning a home possible with our range of home loans Dubai. Our team knows the Dubai property market well and will guide you from start to finish as you secure your home loans.
We work hard to find competitive home loans Dubai residents can access while keeping your budget and needs in mind. You get the advantage of our strong connections with major banks and financial institutions across the UAE.
Our home loans Dubai consultants spend time learning about your financial situation and future plans before suggesting the right mortgage choices. We make all the paperwork and approval steps easier, which saves your time and reduces worry.
You can depend on our many years of helping both expatriates and locals buy their perfect properties in Dubai. Get in touch with us today and begin your path to owning your dream home.
Frequently Asked Questions
1. What types of home loans do you offer in Dubai?
We offer tailored home loan / mortgage solutions for both expatriates and UAE nationals. Our services include fixed- or variable-rate mortgages, refinancing options, and customized plans based on your financial profile.
2. Who is eligible to apply for a home loan in Dubai?
Eligibility typically depends on factors such as:
* Residency status (expat, UAE national, GCC national)
* Employment status and income stability
* Credit history and existing liabilities
* Property type (residential, off-plan, completed)
Our consultants will assess your specific situation to determine eligibility.
3. What is the typical down payment / deposit required?
The down payment (or deposit) depends on UAE regulations and the property type. For expatriates it’s often around 20% to 25% of the property value (or more) depending on the loan-to-value (LTV) ratio and bank policies. Your consultant will clarify exact numbers based on your purchase.
4. What interest rates are available?
Interest rates depend on whether you choose fixed or floating rates, your credit profile, your lender, and market conditions. We leverage our relationships with multiple banks to find competitive interest rates. Your loan quote will specify the rate applicable to you.
5. How long is the repayment / tenure period?
Home loan tenures in Dubai typically range from 5 to 25 years, depending on the borrower’s age, income, and lender policy. In some cases, the tenure may align with the borrower’s retirement age or income horizon.
6. What documents are needed to apply?
The standard documentation generally includes:
* Passport / visa copy
* Emirates ID
* Salary certificates / employment contract / income proof
* Bank statements (last 3–6 months)
* Details of existing liabilities (loans, credit cards)
* Property documents (off-plan contract, title deed, etc.)
Your GDS consultant will provide a detailed list customized for your case.
7. How long does the approval process take?
The processing time varies depending on lender, completeness of documents, and complexity of application. Usually it can take 2 to 4 weeks, but sometimes faster if everything is in order.
8. Can you help with off-plan property financing?
Yes — we assist clients seeking financing for off-plan (pre-completion) properties as well as completed / ready properties. Conditions, down payment, and approval criteria may differ, and we guide you through these nuances.
9. Are there early repayment / prepayment penalties?
Some lenders may impose a prepayment or early settlement fee if you pay off the loan ahead of schedule. This depends on the bank and the terms of your mortgage agreement. We will inform you about any such charges before you commit.
10. Can I refinance or restructure an existing mortgage?
Yes, refinancing or restructuring (e.g. for better rate or longer tenure) is possible, subject to lender policies and your credit status. We can review your existing mortgage and explore options to reduce your interest cost or monthly burden.
11. What mortgage-related fees or charges should I expect?
Common fees may include:
* Application / processing fees
* Valuation / appraisal fees
* Legal / documentation fees
* Lender’s fee or arrangement fee
* Registration / transfer costs
Your consultant will provide a full breakdown for your specific transaction.
12. How do you help negotiate better terms?
Because GDS works with multiple banks and financial institutions in the UAE, we leverage our network and market knowledge to negotiate favorable rates, reduced fees, and optimal structuring based on your profile.
13. How do I start my home loan application via GDS?
You can call us or send an enquiry via the website. One of our mortgage consultants will contact you, assess your requirements and finances, and guide you through the steps towards approval.
14. Is there any support after the loan is disbursed?
Yes. We remain your partner through the life of your mortgage — assisting with any issues, communication with the bank, or possible restructuring in future.
