For Brits, Dubai can represent the ultimate lifestyle. There are great spots for raising families, excellent career opportunities and the amount of property you get for your money is exceptional.

If you buy a property here in Dubai, you’ll have a range of mortgage options to consider. To keep things simple, you might think about getting your mortgage through your bank.

But is it your best option?

It’s highly unlikely.

By all means, see what your bank can offer, but you’ll never know if it’s the best deal unless you search elsewhere, too.

In this article, we discuss why you should shop around before accepting the easiest offer.



Why Should I Look Beyond My Personal Bank?

Getting a mortgage through your personal bank might seem straightforward, but when it comes to your money, that sort of loyalty won’t see you better off financially.

At most, there are two reasons why your bank could be the better option:

  1. The process might be quicker as you’re an existing company
  2. You could receive some perks that link to your account

That said, the mortgage process in Dubai doesn’t take very long anyway — as little as four weeks if you’re organised. And there’s no telling how quick your personal bank will actually be in comparison.

Secondly, the perks to your account are only likely to be minor. A small token gesture as a thank you for not looking elsewhere. When you consider how much money you can save by looking around — up to AED 150,000 over the lifetime of your mortgage — it’s not worth sticking with what you know.

How Can a Broker Help Find the Best Deal?

A mortgage is one of the biggest financial commitments anyone makes. Therefore, you’ll want to keep that cost down as much as possible. As an expat living in Dubai, you should also be wary in case anything is lost in translation.


By working with a mortgage broker who understands the property market and the customs in Dubai, you ensure you get the best possible mortgage that suits your needs.

After all, your personal bank might have their own agenda. Instead of suggesting the right mortgage option for you, they could push the product that works in their own interest.

You might find that a fixed rate mortgage works better for you than a variable one or vice versa. Even a Sharia compliant mortgage is worth looking into depending on your financial standing and the type of property you’re looking to purchase.

An independent mortgage broker has no agenda other than saving you money. We will approach your bank to see what offer they make, but we will never suggest that you take it if we know there are better deals to be had.

Getting a Mortgage in Dubai the Easy Way

Applying for a mortgage with your personal bank is rarely the right thing to do. People only take this option because shopping around is time-consuming, and they don’t want to learn all the ins and outs of Dubai mortgages.

We offer a much better solution.

At Expat Mortgage, we handle every aspect for you. We approach the banks of Dubai on your behalf keeping your criteria front of mind. After that we’ll negotiate better rates than the initial offer, and provide you with all the information you need — clearly and concisely — so you can make the right decision.

Our customers save on average AED 150,000 over the course of their mortgage. That’s around £30,000 in UK currency.

To make finding the best deal hassle-free, contact us today.