Independent mortgage guidance across the UAE

Mortgage guidance built around your next move.

Compare mortgage options, understand your borrowing position, and move from pre-approval to completion with a dedicated Raven Finance advisor.

Explore calculator
18+ Partner banks
Independent Offer comparisons
End-to-end Advisor support

Our lender network

Compare across leading UAE banks.

One conversation gives you a clearer view across a broad lender network, with options considered against your profile, property and timeline.

18+partner-bank relationships
1advisor-led comparison process
UAEresidential and commercial focus

What the network means

One brief. Multiple routes.

Raven Finance can compare suitable lending routes against your profile, property and timeline, so you can understand the trade-offs before choosing how to proceed.

Residential Refinance Non-resident Commercial

Product availability, pricing and eligibility vary by lender and applicant profile.

Mortgage calculator

Model the purchase before you commit.

Adjust the assumptions below for an indicative repayment, upfront cost estimate and affordability snapshot. Final lending decisions remain subject to bank policy and approval.

01

Purchase

Payment & costs

Estimated monthly payment AED 0 Principal + interest estimate
Loan-to-value0%
Down paymentAED 0
Est. upfront totalAED 0
02

Affordability

Eligibility snapshot

Indicative maximum affordable loan AED 0 Based on the assumptions entered above
Assumed monthly capacityAED 0
Calculated max term300 mo
Stress rate6.00%

Scenario note

Start with your purchase assumptions.

Enter a property price and loan amount to create an indicative mortgage scenario. These figures do not confirm lender eligibility.

Important: Calculator results are illustrative estimates only, not a mortgage offer, approval or financial advice. Actual rates, fees, affordability and lending terms depend on the lender, property and applicant profile.

The Raven journey

One clear path from enquiry to keys.

We coordinate the mortgage process, keep the moving parts visible, and help you stay ahead of what comes next.

  1. 01
    UnderstandConsultation

    We understand your profile, goals, timeline and funding requirements.

    Raven doesMaps the routeWe frame the purchase, refinance or funding objective.
    You bringYour starting pointIncome, existing commitments and the property plan where known.
    NextPre-approvalWe identify the information needed to approach suitable lenders.
  2. 02
    PreparePre-approval

    Documents are curated and the right bank applications are prepared.

    Raven doesCurates the fileWe organise the application around the lender route being considered.
    You bringCore documentsIdentity, income and banking information, with additional items where applicable.
    NextBank reviewThe lender assesses the application against its own policy.
  3. 03
    VerifyValuation

    The lender values the property and completes its underwriting checks.

    Raven doesKeeps it movingWe coordinate the outstanding items and help keep the timeline visible.
    You bringProperty informationProperty or transaction documents requested for the stage.
    NextOffer / final reviewThe lender progresses the case subject to its checks and conditions.
  4. 04
    CompleteCompletion

    We support signing, final bank coordination and ownership transfer.

    Raven doesCoordinates the finishWe help keep bank, property and transaction milestones aligned.
    You bringFinal confirmationsSignatures and transaction items requested by the lender or parties.
    NextTransferThe transaction completes in line with the lender and property process.
  5. 05
    OptimiseLong-term strategy

    We remain available for buyout, equity release and future refinancing.

    Raven doesReviews the next moveWe can revisit the lending position as your circumstances change.
    You bringYour current facilityExisting loan terms, balance and objectives for the review.
    NextCompare againAny new route remains subject to lender pricing and approval.

Prepare your documents

Start with the right information.

A clean starting file helps an advisor understand your position faster. Use the checklist that is closest to your situation, then confirm the exact lender requirements before submitting documents.

01

Salaried / UAE resident

A typical starting pack for a resident salaried applicant.

  • Passport and UAE residency / Emirates ID details
  • Recent salary certificate or income confirmation
  • Recent bank statements, typically covering the latest six months
  • Recent payslips where income varies or the lender requests them
  • Details of existing loans, credit commitments and liabilities
  • Property or transaction documents when already available

Typical starting checklist: exact requirements vary by lender, applicant profile, property and transaction. Do not email passport, Emirates ID or banking documents until Raven Finance confirms the secure submission route.

Services

Mortgage solutions built around the transaction.

Whether you are buying a home, acquiring an investment, funding commercial property or reviewing an existing mortgage, Raven Finance helps structure the route forward.

Residential property
01 · Residential

Buying a home

Residential finance

Home finance for first-time buyers, movers and investors, with lender comparison and advisor support from pre-approval to transfer.

Modern residential interior
02 · Refinance

Review an existing loan

Refinancing

Mortgage buyouts, rate reviews and equity release strategies.

Commercial property
03 · Commercial

Finance an investment asset

Commercial finance

Structured finance for offices, retail and investment assets.

Property development
04 · Development

Plan a staged purchase

Development & off-plan

Guidance for staged-payment and under-construction purchases, with financing strategy aligned to project milestones.

Why Raven Finance

Advice that stays focused on your outcome.

Our role is to make lender choice, paperwork, timelines and trade-offs easier to understand from the first conversation through completion.

01

Personalised advisory

Recommendations shaped around your profile, goals and property strategy.

02

Broad lender access

Compare suitable options across Raven Finance's UAE banking network.

03

Transparent comparisons

Understand rates, fees and structure before making a lending decision.

04

End-to-end support

A dedicated point of contact from pre-approval through transfer.

Meet the team

People you can actually call.

Connect directly with Raven Finance's mortgage team for support with a new purchase, refinance, eligibility or progression.

Stuart Roe

Managing Director

Scott Christie

Mortgage Advisor

Daniel Laycock

Senior Mortgage Advisor

Damian Gray

Senior Mortgage Advisor

Mark Montenegro

Mortgage Progression

Andrew Harris

Mortgage Advisor

Mortgage FAQ

Clear answers before the paperwork starts.

General explanations only. Exact requirements, pricing and eligibility vary by lender and applicant profile.

What is the minimum down payment in the UAE?

Requirements vary by residency status, property value and lender. Your advisor can confirm the applicable structure for your specific purchase.

How is mortgage eligibility calculated?

Banks typically consider income, existing liabilities, credit history, employer profile, age, property type and internal lending policy.

How long does mortgage approval take?

Timing depends on the bank, documentation quality and complexity of the case. A complete application generally moves faster than one with outstanding information.

Do I need a salary transfer?

Not necessarily. Some lenders offer non-salary-transfer products, while salary transfer can affect pricing or eligibility depending on the bank.

What costs should I budget for?

Typical purchase costs may include DLD fees, trustee fees, valuation charges, mortgage registration, agency fees where applicable, and lender processing fees.

Can non-residents obtain a UAE mortgage?

Yes, selected lenders offer mortgages to eligible non-residents, usually with different documentation and loan-to-value parameters.

Can I refinance or settle early?

Yes, subject to the terms of your current facility and applicable bank charges. Raven Finance can help compare the cost and benefit of refinancing.

Does Raven Finance charge clients an advisory fee?

Raven Finance states that its advisory service is free to clients and that compensation is provided by partner banks following successful mortgage approval.

Raven Guides

Useful mortgage knowledge, without the jargon.

Short guides to help you prepare, compare and ask better questions. General information only; lender policy and your circumstances determine the actual route.

01Getting started

UAE mortgage pre-approval

What it is, what it helps with, and what it does not guarantee.

02Eligibility

Resident vs non-resident mortgages

Understand why the same property can produce different lending routes.

03Costs

Understanding upfront purchase costs

See the main buckets to think about before committing to a property.

04Refinancing

When to review a refinance

Look beyond the headline rate and compare the full cost of changing facilities.

Ready when you are

Turn the numbers into a mortgage plan.

Start with a pre-approval request or speak directly with the team about your purchase, refinance or borrowing position.

Estimated purchase costs

Upfront cost breakdown

Down paymentAED 0
DLD feeAED 0
Real estate feeAED 0
Mortgage registrationAED 0
Trustee feeAED 0
Estimated total upfront costAED 0

Indicative only. Actual fees vary by transaction, lender and property.

Raven Finance

Advisor profile

Background

Role
Focus
Market
United Arab Emirates
Message on WhatsApp

Talk to Raven Finance

Request an advisor call

We will include your current calculator inputs with the enquiry so the advisor has useful context before contacting you.

For your security: do not send passwords, card details, banking credentials, passport copies or Emirates ID documents through this form.

Your enquiry is submitted securely to Raven Finance. We will contact you using your selected communication method.

Pre-approval · 1 of 3

First, tell us who you are.

Pre-approval · 2 of 3

Now the financial basics.

Pre-approval · 3 of 3

Review your contact preference.

For your security: do not send passwords, card details, banking credentials, passport copies or Emirates ID documents through this form.

Your pre-approval enquiry is submitted securely to Raven Finance. We will contact you using your selected communication method.

Raven Guide