Direct Mortgages
Direct Mortgage provides a platform to search and apply for mortgages online for FREE. It is the most user-friendly, compliant, and accurate mortgage sourcing software available in the UAE. Best of all it is quick and efficient without having to spend hours dealing with banks.
Benefits of using Direct Mortgage :
- Search for the best and exclusive mortgage options only available on mortgagedirect.ae
- Access product fact sheets online giving full transparency
- Apply for your mortgage online quickly and efficiently
Follow these 3 easy steps to secure a mortgage approval

Complete the initial questions to find out the best mortgage rates and terms, how much you can borrow and monthly repayments.

Once you have your mortgage options, find out more about each product through individual fact sheets, which detail full information and eligibility criteria.

Apply online from the comfort of your own home for FREE.
Interest only mortgage assessment can only be calculated manually. Please fill out your details below and we will contact you as soon as possible.
Joint applicants
Only spouses can apply jointly. If joint applicants require only one income to be considered for eligibility purposes, mark no employer for the second applicant.
Type of Mortgage
Islamic mortgages are structured to be consistent with the principles of Islamic law (Shariah) and are provided by many lenders. These products are also available to non-Muslims.
Interest Structure
Fixed Rate - A loan in which the interest rate does not change during the predetermined fixed period. It is important when comparing fixed rate products to consider how interest rates are adjusted after the initial fixed term.
Variable Interest loans are adjustable and subject to change (higher or lower). these are normally decided by the lending bank.
EIBOR (Emirates Interbank Offered Rate). This rate is determined by the UAE Central Bank and is calculated by an average of 11 banks' interbank offer rates. The benefit of EIBOR linked rates is that the individual lender cannot singularly adjust the rate.
Repayment Type
There are limited banks in the UAE offering interest only mortgages. Therefore it is advisable to consider capital and interest or Islamic equivalents.
What is the Purpose of the Mortgage?
Purchase is a mortgage on a property bought directly from a developer or the secondary market (resale market).
Re-finance is restructuring an existing loan, typically moving from one lender to another for better terms.
Equity Release is either;
Property Ownership Type
No Preference is either a freehold or leasehold property.
Freehold is the entitlement to hold a property with a perpetual right. There is no limit of time to hold the property. Title deed is issued and held by the bank until the loan is repaid.
Property Leasehold is the right to hold or use property for a fixed period of time at a given price, without transfer of ownership, on the basis of a lease contract.
Local – this sourcing system is designed for freehold and leasehold properties/developments. Many lenders will not finance gifted or granted land/properties. If you wish to finance these please fill out your details below and we will contact you as soon as possible.
Guaranteed Monthly Salary (AED)
Include guaranteed (fixed) salary only.
Variable income cannot be considered.
Other Guaranteed Monthly Allowances
Guaranteed monthly allowances should include housing/rent and other guaranteed allowances which are paid to the applicant. Lenders will require proof of payment of all stated allowances. Not all banks accept the full amount of these allowances when considering eligibility or terms for mortgage products.
UAE Monthly Rental Income (from other properties only)
If you own a rental property in the UAE, enter the monthly rental amount, even if rent payments are made less frequently.
Joint rent should only be included under applicant 1
Total Monthly Repayments (total monthly payments for car loans, personal loans & mortgages)
Enter the total monthly fixed repayments for loans. Joint loans should only be included under applicant 1
Total of all Credit Card Limits
Currently banks will calculate a percentage of your total UAE credit card(s) limits as a liability, irrespective of whether you utilize the card or settle in full monthly. If inclusion of all credit card limits reduces your eligibility, please consider the possibility of cancelling or reducing card limits. You do not need to take this action at this stage. However, inputting your minimum credit card limit (after cancelling or reducing will improve your affordability)
UAE monthly rental income (from other properties only)
If you own a rental property in the UAE, enter the monthly rental amount, even if rent payments are made less frequently.
Joint rent should only be included under applicant 1
Total monthly repayments (total monthly payments for car loans, personal loans & mortgages)
Enter the total monthly fixed repayments for loans. Only include additional rents that are not included under applicant 1
Total of all credit card limits
Currently banks will calculate a percentage of your total UAE credit card(s) limits as a liability, irrespective of whether you utilize the card or settle in full monthly. If inclusion of all credit card limits reduce your eligibility, please consider the possibility of cancelling or reducing card limits. You do not need to take this action at this stage. However, inputting your minimum credit card limit (after cancelling or reducing will improve your affordability)
Do not include card limits stated under applicant 1 or supplementary cards.
Salary Transfer
Certain products require salary transfer. If you are unable to transfer your salary from your existing bank to an alternative, click "no". If you have loans with your existing bank and your salary is committed for this reason, click "no" unless you are prepared to close these facilities.
If one applicant cannot transfer salary to the mortgaging bank, only non-salary transfer products will appear in results. If the applicant who can transfer salary has sufficient income, apply for joint mortgage with no employment and income details for the second applicant
Length of Service
If you are currently on probation or under notice to leave your employer, this will affect your ability to source a mortgage. Please complete your details below and we will contact you to discuss your requirements.