Mortgages service – Saidi Homes

YOUR MORTGAGE. STRUCTURED RIGHT FROM THE START.

KNOW YOUR
NUMBERS FIRST

Before you start viewing properties, know exactly what you can borrow. We connect you with trusted mortgage specialists who assess your eligibility honestly — so you walk into every viewing with a clear ceiling and genuine buying power.

THE RIGHT STRUCTURE FOR YOUR SITUATION

Fixed or variable. Resident or non-resident. First property or fifth. Every borrower's situation is different, and the right mortgage structure depends on more than just the rate. We make sure you understand every option before you commit to any of them.

FROM APPROVAL TO
HANDOVER

Once your mortgage is approved, we coordinate directly with your bank to ensure the financing timeline aligns with your purchase. No gaps, no delays, no last-minute surprises at the DLD. Just a clean process from pre-approval to keys in hand.

MORTGAGES IN DUBAI: WHAT YOU NEED TO KNOW

Dubai's mortgage market is more accessible than most people expect — including for non-residents. UAE banks offer financing to foreign nationals on freehold properties, typically up to 50% of the property value for non-residents and up to 80% for UAE residents on their first purchase. The key is knowing which banks offer the most competitive terms for your specific profile. Interest rates in the UAE are closely tied to the US Federal Reserve,

meaning they move in a predictable direction — but timing still matters. Locking in the right rate at the right moment, with the right loan structure, can make a significant difference over the life of your mortgage. At Saidi Homes, we don't just refer you to a broker and step away. We stay involved throughout the process — making sure your financing is moving in parallel with your purchase, so nothing stalls at the final stage.

HOW THE MORTGAGE PROCESS WORKS

The process begins with a pre-approval — a formal assessment from the bank confirming how much you can borrow based on your income, liabilities, and residency status. This typically takes three to five working days and gives you a clear budget before you start viewing in earnest. Once you've identified a property and agreed on a price, the bank conducts an independent valuation of the unit. If the valuation supports the purchase

price, the mortgage offer is formalised and you proceed to signing. The bank then issues a liability letter confirming the loan amount, which is presented at the Dubai Land Department on transfer day. For off-plan purchases, the process differs — most developers offer their own payment plans that don't require traditional financing. We advise on both routes and help you determine which structure makes the most sense for your goals and your timeline.

WHY SAIDI HOMES?

Tailored
Solutions

No two clients have the same goal. We start by understanding yours — then build a strategy around it, not around our inventory.

Local
and global Reach

Rooted in Dubai, connected across Africa, Europe, and beyond. We bring international buyers to local sellers, and local knowledge to international investors.

Award-Winning
Standards

We hold ourselves to a standard most agencies don't advertise — because most agencies can't back it up. Every deal we close reflects that.

Speed and
Transparency

You always know where your deal stands. No chasing, no vague updates. Just clear communication and fast execution.

Find Your Next Remarkable Address:

Step into a home that reflects your aspirations, where every detail speaks of comfort, beauty, and timeless elegance. From breathtaking views to exceptional design, we guide you toward a residence that’s not just a property — but the address that changes everything that comes after it.