Home financing in the UAE
Your next address starts with clear financing
One advisor guides the whole journey, from eligibility to handing over the keys, comparing offers from partner banks and explaining every step in plain words.
Payment calculator
Estimated monthly payment
Indicative figures only, based on an annual rate of 4.5%. The bank sets the final offer based on eligibility.
Mortgage solutions
A financing route for every stage of buying a home
Ready, off-plan or still to be built: your advisor compares the options available and explains what fits your situation.
Ready home purchase
Financing for a completed villa or apartment, comparing several banks to find the best fit for your salary and service years.
Learn more →Off-plan property
A financing plan that follows the developer’s payment schedule until handover.
Learn more →Buyout and refinance
Move your current mortgage to another bank on better terms after reviewing existing commitments.
Learn more →Home construction
Finance building a home on land you own, with payments released by construction stage.
Learn more →How it works
Four clear steps from application to keys
01
Eligibility check
A short call to understand your salary, employer and the home you have in mind.
02
Documents
One clear checklist, collected once and shared with the banks that fit.
03
Offers compared
Bank offers side by side, with the differences explained simply.
04
Approval to keys
Follow-through on valuation, final approval and transfer until you get the keys.
Why Onwani
Mortgage advice that is clear from the first call
Onwani Mortgage Broker is a specialist mortgage broker focused on helping families in the UAE reach the right home financing without the complexity.
One advisor throughout
A single point of contact who knows your file from the first call to signing.
Balanced comparison
The options available from partner banks, with their advantages and limits explained.
Clear costs
Fees and expected payments laid out before you decide.
Real estate know-how
In-depth knowledge of the UAE property market and what banks require.
FAQ
Quick answers before you start
Who can apply for financing?
Eligibility depends on the bank, salary and employer, and the first call confirms the options available to you.
Does Onwani approve the mortgage?
The Onwani team compares offers from partner banks, prepares your file and follows it up. Final approval and financing come from the bank.
Which documents are usually needed?
Usually your Emirates ID, passport, family book or residence visa, salary certificate and six months of bank statements. Banks may ask for more.
How long does the process take?
It depends on the bank, the property type and how complete the documents are. Your advisor gives you an expected timeline after reviewing your file.
Can I finance an off-plan property?
Several banks offer solutions for off-plan homes from approved developers. Your advisor reviews the project terms and payment plan before applying.
Ready to start your financing journey?
An advisor will get in touch to review the right options and answer your questions.