Your trustworthy partner for obtaining a loan for a new property in Dubai, UAE, is GDS Mortgage Consultancy. We want the process of buying a new home to be as easy as possible for you. We recognize that it's an important milestone for every individual.
Customized Loan Options
Our team of professionals specializes in developing unique lending solutions to satisfy your particular requirements. Our skilled advisers will help you every step of the way through the loan acquisition process. We are the best choice whether you're investing in real estate, buying a house, or upgrading to a larger residence.
Open and All-Inclusive Services
In our services, we place a high value on clarity and openness. Our staff puts a lot of effort into making sure you comprehend every facet of your loan for new property. We ensure that you know the terms and conditions and the repayment plan. We maintain solid connections with lenders. We can provide you with a range of mortgage solutions that meet your financial needs.
Your financial security partner
Selecting GDS Mortgage Consultancy entails selecting a partner committed to your credit stability. We advise you on how to make wise financial decisions about your real estate investments. We also assist you in obtaining the finest loan conditions.
Start your path to homeownership now.
GDS Mortgage Consulting is here to help you take out a loan for a new property if you're thinking about becoming a homeowner. Take a look at the customized financing options we provide. Get started on the path to purchasing your ideal Dubai, UAE, property.
Are you looking for a loan for new property in Dubai? We at GDS Mortgage Consultancy are your trusted partners in property financing.
Our experts understand the Dubai real estate market perfectly. We make your dream of owning property achievable with customized loan for new property solutions. Our transparent process ensures you get the best deals.
Getting a suitable loan for new property doesn't need to create complexity in the process. Our team provides individualized support during your entire journey. Our team helps you compare options and choose what suits your needs.
Don't wait! Our consultants are ready to help you secure your dream home. Book a free consultation for a loan now!
Frequency ASked Questions
1. What is a “loan for new property”?
A “loan for new property” is a mortgage or home financing facility that helps you fund the purchase of a newly built or off-plan residential property in Dubai (or elsewhere).
2. Who can apply for this type of loan?
Typically: * UAE residents and expats * Those who meet minimum income and credit requirements * Individuals who can provide required documentation (ID, salary proof, bank statements) * Developers or properties approved by banks / finance institutions
3. What is the maximum loan amount or loan-to-value (LTV) ratio?
The maximum amount depends on your income, credit score, and the property’s valuation. The LTV ratio (percentage of the property’s value the bank will finance) usually ranges between 70% to 85%, depending on the borrower’s profile and bank policies.
4. What is the tenure (loan duration)?
The repayment period may vary (e.g. 5, 10, 15, 20, or even 25 years), depending on your age, income, and the policies of the lending bank.
5. What interest rate options are available?
You may get: * Fixed rate (where interest stays fixed for a certain period) * Variable (floating) rate (linked to a benchmark, e.g. EIBOR or bank’s reference rate) * Hybrid (fixed for a period, then floating)
6. What documents are required to apply?
Commonly required documents include: * Copy of passport / Emirates ID * Proof of income (salary slips, bank statements) * Employment contract / letter * Title deed or documentation from the developer * Property valuation / sales agreement * Bank statements (3-6 months)
7. How do you repay the loan?
Repayment is typically via Equated Monthly Installments (EMIs) consisting of principal + interest. The schedule could be monthly, or as agreed with the lender.
8. Are there any processing fees or additional charges?
Yes — there may be: * Processing / administrative fees * Valuation fees * Legal / title deed registration fees * Insurance premiums (life/home insurance) * Brokerage or consultant fees Make sure the terms and all costs are transparently disclosed before commitment.
9. Can I prepay or make extra repayments?
Many lenders allow prepayment or partial repayment ahead of schedule (subject to conditions), which can reduce interest costs. Check for any penalties or fees for early repayment.
10. What happens if I default on the loan?
Defaulting may lead to penalties, increase in interest rate, legal action, or even repossession of the property (depending on the lender and jurisdiction). Always discuss with the lender to avoid defaults.
11. How soon can I start the loan process?
You can begin as soon as you have selected a property and have your documentation ready. GDS Mortgage can consult with you and help you compare loan options.
12. How is the interest calculated?
Interest is typically computed on the outstanding principal balance. For variable / floating rate loans, the interest will adjust as per the benchmark rate adjustments.
13. Is there a minimum credit score requirement?
Lenders usually require a good credit history or rating. The specific minimum scores or credit criteria depend on the bank or financial institution in Dubai you are applying through.
14. Can GDS Mortgage help me choose the best loan option?
Yes. GDS Mortgage offers consultancy services to compare multiple lenders’ offers and guide you toward the most suitable mortgage solution, ensuring transparency in terms and rates.
15. How long does the approval process take?
It varies, but typically the loan approval process can take anywhere from a few days to a few weeks, depending on documentation, property valuation, and lender’s internal procedures.
