Compare Mortgage Rates | Top Mortgage Brokers in Dubai (Updated 2025)
Here’s something most people don’t know – the best mortgage brokers in Dubai have the ‘ins’ with banks, which means they can hunt down way better deals than you could find on your own.
Going bank to bank to compare mortgage rates can take up a lot of time – you’ll end up having to explain your whole financial story over and over just to get a proper comparison.
Not only it’s a pain to manage the entire process, it can get very tedious and overwhelming.
Why Should I Go with a Mortgage Broker?
The benefit of working with a mortgage broker, instead of going to the bank directly, is the range of home loan interest rates options and guidance they can provide based on your profile, bank policies, market situation, and common pitfalls.
And here’s the best part – they take care of the mortgage rates comparison, paperwork and admin stuff, saving you time and hassle.
When you go to mortgage brokers in Dubai, they act as a middleman between you and potential lenders. They’ll showcase all the bank offers in one go (kind of like the one in the photo below) that match your profile, making it a breeze to compare your options.
*Photo: lenddoo.com
Best Mortgage Brokers in Dubai 2025
Finding a reputable mortgage broker can make all the difference when it comes to securing the right mortgage loan for your property. With so many options to choose from, it can be challenging to identify the best players in the field.
So who are the ones with a good reputation?
To simplify your search, we’ve compiled a list of the best mortgage brokers in Dubai, ranked by the highest number of Google reviews.
These brokers have won over happy customers, solidifying their status as trusted experts in the world of house loan interest rate in Dubai.
| Mortgage Broker | Google Review | |
| 1 | Lion Mortgage | 4.8 (563) |
| 2 | Mortgagefinder.ae | 4.9 (1034) |
| 3 | Huspy | 4.7 (637) |
| 4 | My Mortgage | 5.0 (136) |
| 5 | Holo | 4.9 (367) |
| 6 | Capital Zone | 4.9 (101) |
| 7 | Lenddoo | 4.9 (106) |
| 8 | First Choice Mortgage Broker | 4.9 (46) |
The bigger real estate agencies (below) offer in-house mortgage broker as part of their services who may get bigger leverage in negotiations with banks.
But keep in mind, you’re NOT obligated to get your mortgage with same agency you bought your home from.
| Mortgage Broker | Google Review | Website Traffic* |
| Fam Properties | 4.9 (11,730) | 47.5K |
| Haus & Haus | 4.8 (1,797) | 27.2K |
| Better Homes | 4.2 (724) | 62.2K |
| Allsopp & Allsopp Mortgage | 4.7 (161) | 26.9K |
Best Mortgage Brokers in Dubai: How do I Choose?
1. Experience and Expertise
You want a pro who understands the local real estate market and can break down complex mortgage rules without making your head spin. Look for brokers with extensive knowledge on mortgage rates and bank regulations.
2. Range of Products
The best brokers can offer a variety of mortgage loan options from different lenders. Think of it as having multiple financial flavors to choose from, so you don’t get stuck with just one or two mortgage choices.
3. Reputation
One of best ways to decide if a potential broker has a good reputation is to go through their Google reviews.
Sorting these reviews by ‘newness‘ lets you see the latest experiences clients have had with the broker. It’s often a good sign it’s a real review if real names are mentioned, and you can see how the broker treats their clients and what type of service they’re offering.
4. Transparency
Just like when you’re dealing with a real estate agent, it’s worth taking the time to chat with a few brokers about your situation and what deals they can offer before committing to work with one. Choose brokers who are upfront about fees and the entire mortgage process.
How Many Banks do Mortgage Brokers Work With?
Typically, mortgage brokers in Dubai search for mortgage loan between 15 to 20 different banks (such as RAKBANK, HSBC, Mashreq, Emirates NBD) in the UAE.
Mortgage Brokers in Dubai – Do They Charge a Fee?
No. Almost all mortgage brokers in Dubai we looked into do not charge a fee or commission as they get paid by their banking partners.
Fees Associated with Mortgages in Dubai
Apart from the monthly home loan interest rates, there are also extra costs that come along with getting a mortgage loan.
Here is the breakdown of the additional costs can impact your overall borrowing budget.
| Dubai Land Department Mortgage Fee | 0.25% of loan + AED 290 fee |
| Bank Mortgage Arrange Fee | Up to 1% of loan amount + 5% VAT |
| Valuation fee | AED 1,850 to AED 3,500 + 5% VAT |
| Home Insurance | 0.03% – 0.06% of property value + 5% VAT (annual) |
| Mortgage Life Insurance | 0.01167% – 0.0245% of loan amount (monthly) |
| Bank Fees | i.e. wire transfer & exchange rate fees |
Note: There are ALSO other fees and cost associated to buying a property in Dubai. Hence, it’s important to factor in all of these costs when budgeting for your mortgage loan.
Do Mortgage Brokers Compare Life Insurance and Property Insurance too?
“Yes, most banks provide life and property insurance along with the mortgage, and the mortgage broker will help facilitate the insurance process as well,” explains Abhishek Rai, mortgage advisor at Lion Mortgage.
“Homebuyer can also choose their insurance carrier (i.e. Zurich and MetLife), but currently only 3 banks in UAE allow this… HSBC, SCB, Bank of Borada. You will need to make sure their insurance coverage can be assigned to the bank.”
Do Banks Provide Home Renovation Loans in Dubai?
“Technically, banks do not offer renovation loans on new property per se. But there is a way around it. After getting the mortgage, client can wait awhile… i.e. at least 3 months, and try to refinance,” says Abhishek Rai, “If the property value goes higher, client can tap into the property’s equity, access the needed funds for renovation.”
“If the client has a fully paid up property, then the banks can give equity or cash against the property to renovate that unit or purchase a new property.”
Conclusion
Mortgage brokers in Dubai are like your personal guides, helping you cut through the complex world of securing a mortgage loan. They simplify the process of securing a home loan interest rate in Dubai, break down the nitty-gritty details, process all the paperwork, and help you make smarter choices that match your investment game plan.
Next: 8 Things to Know Before Getting a Home Loan Pre Approval in Dubai
