Secure Your Dream Home with Low Rates and Fast Approvals.
Birchfort is committed to guiding you through every step of your mortgage journey.
Our customized mortgage solutions, competitive rates, and dedicated support ensure
a smooth and confident path to your new home.
Why choose Birchfort?
Competitive Rates
Take advantage of market-leading mortgage rates through our extensive network of 25+ banking partners.
Fast Processing
We expedite the mortgage process to ensure quick pre-approvals and smooth
disbursals.
Personalized Service
Our experts provide tailored advice and solutions to support your home financing
plans.
Expert Guidance
Our team ensures a seamless experience through every stage of your mortgage.
Mortgage Calculator
Need a more personalized estimate? Feel free to contact our team for expert guidance.
Detailed Calculation Results











Eligibility and Requirements for a Mortgage
Discover the key requirements and steps involved in securing a mortgage in the UAE with Birchfort guiding you every step of the way
Nationality
Birchfort is committed to providing mortgage options to UAE Nationals, residents, and non-residents, catering to a broad spectrum of clients.
Age
Minimum age
21
Maximum Age for UAE Nationals
70
Maximum Age for Residents & Non-residents
65
Minimum Income
Income eligibility is subject to change based on lender guidelines and personal circumstances.
Your Mortgage Journey
You don’t have to navigate the mortgage journey alone. Birchfort is here to guide you every step of the way with expert support and tailored service.
01
Contact us to start your mortgage application journey.
02
Gather all necessary documents for your application.
03
We calculate your maximum loan amount and check your eligibility.
04
Choose the best bank and mortgage rate from over 25 trusted partners.
08
The bank provides the final offer letter.
07
Once you have finalised a property, we proceed with a professional property valuation
06
Receive your mortgage pre-approval.
05
We submit your application to the selected bank.
09.
We facilitate the mortgage disbursal process.
10.
Congratulations! You’ve officially unlocked the door to your dream home.
FAQ
Got Questions?
We've Got Answers!
Can I buy a property in the UAE if I’m a non-resident?
Absolutely. For non-residents, there are no obstacles to owning property in freehold areas.
Can I get a mortgage on multiple properties?
Yes, you can. However, if you are a resident with an existing mortgage, the Loan-to-Value (LTV) ratio for your new mortgage will typically be reduced from 80% to 60%.
Do I need to finalise a property before applying for mortgage pre-approval?
No, you can apply for pre-approval even before choosing a property. Having pre-approval can give you an advantage in negotiations by demonstrating your commitment.
Is it possible to get a mortgage for an off-plan property purchase?
Yes, mortgages are available for off-plan properties for the final payment stage. The developer must be approved by the bank, and an Oqood Certificate must be obtained. Generally, the Loan-to-Value (LTV) ratio is limited to 50%, meaning you need to pay at least 50% of the property’s value as a down payment.
How much am I eligible to borrow?
The amount you can borrow depends on your residency status and the value of the property.
The maximum Loan-to-Value (LTV) ratio for properties under AED 5 million is:
85% for UAE Nationals
80% for UAE Residents
60% for Non-Residents
I'm self-employed. Can I still get a mortgage?
Yes! If you’re self-employed, you can still apply for a mortgage. Banks will assess your application based on your company’s structure, financial performance, and overall stability.
What's the maximum mortgage term I can get?
The maximum mortgage term in the UAE is typically 25 years, depending on your age at the time of application and the bank’s policy.
Contact Us
