A huge dream for many people is investing in their own property. Whether it’s your first home, an investment property, or a long-term upgrade, the decision is exciting.
But let’s be real for a moment. The mortgage process can feel confusing, slow, and stressful. Interest rates change. Bank policies differ. Eligibility rules are strict. And paperwork never seems to end.
That’s exactly why working with the best mortgage and finance agents in the UAE is not just helpful—it’s essential.
How We Selected the Top 5 Mortgage and Finance Agents in the UAE
To create this list, Find Any Agent focused on quality, trust, and real-world performance.
Selection Criteria
- Years of industry experience
- Range of mortgage products
- Number of banking partners
- Client reviews and testimonials
- Ability to handle complex cases
- Transparency and service quality
List of Best Mortgage and Finance Agents in the UAE
1. Lion Mortgage – Award-Winning Leaders in UAE Mortgage Advisory
Lion Mortgage is widely regarded as one of the best mortgage and finance agents in the UAE, and for good reason. Their scale, experience, and results speak for themselves.
Overview
Lion Mortgage offers solutions for nearly every buyer profile. From first-time homeowners to seasoned investors, they handle it all.
They don’t just find rates. They build long-term financial relationships.
Mortgage Products Offered by Lion Mortgage
Lion Mortgage covers a wide range of financing needs:
- Residential mortgages
- Commercial property loans
- Plot and land loans
- UAE and GCC national mortgages
- Mega loans
- Islamic finance solutions
- International mortgages
- Non-resident mortgages
- Under-construction property financing
- Balance transfer and refinancing
- Equity release
No matter how complex your requirement is, they likely have a solution.
Customer Trust & Reviews
Lion Mortgage holds an impressive 4.9 out of 5 Google rating based on 850+ reviews.
Clients frequently highlight:
- Professionalism
- Clear communication
- Proactive follow-ups
- Stress-free experience
For many buyers, Lion Mortgage becomes a lifelong financial partner.
2. First Choice Mortgage Brokers (FCMB) – Smart Mortgages for Smart People
FCMB has positioned itself as a go-to advisor for buyers who value expertise, transparency, and results. With over 18 years of industry experience, they are among the best mortgage and finance agents in the UAE.
What Makes FCMB Different
FCMB specialises in complex cases. If other UAE mortgage brokers say no, FCMB looks for solutions.
Key strengths include:
- 95% approval rate
- Strong relationships with UAE banks
- Deep understanding of EIBOR-linked products
- Expertise in self-employed profiles
- Dedicated support for non-residents
They are licensed by the Dubai Economic Department and regulated by the Dubai Land Department.
Mortgage Services Offered by FCMB
FCMB provides comprehensive mortgage solutions:
- New home purchases
- Mortgage buyouts and refinancing
- Equity release
- Building finance
- Portfolio consolidation
Client Reviews & Reputation
FCMB enjoys 5-star ratings across platforms. Clients often praise:
- Honest advice
- Fast approvals
- Strong follow-up
- Clear explanation of bank rules
For buyers who want clarity and confidence, FCMB delivers.
3. My Mortgage – Personalised Mortgage Brokers in Dubai
Founded in 2019, My Mortgage has grown rapidly into a trusted name among mortgage brokers in Dubai. Their focus is simple: make home financing stress-free.
Company Philosophy
My Mortgage believes that buying a home is one of life’s biggest decisions. Their role is to simplify it.
They focus on:
- Transparency
- Integrity
- Accountability
- Long-term client relationships
Mortgage Services Offered by My Mortgage
Their services cover both residential and commercial needs:
- New mortgages
- Refinancing
- Handover payments
- Equity release
- Non-resident mortgages
- Commercial mortgages
They work closely with clients from pre-approval to disbursal.
The Team Advantage
My Mortgage’s strength lies in its people. Their advisors have deep knowledge of the UAE mortgage market and provide personalised guidance.
Clients appreciate:
- One-on-one attention
- Clear explanations
- Responsive communication
For first-time buyers especially, this personal touch makes a big difference.
4. Huspy – Tech-Driven Mortgage Experts in the UAE
Huspy has modernised the mortgage process in the UAE by combining technology with human expertise. Trusted by over 8,000 home buyers, they focus on speed and efficiency.
Why Huspy Appeals to Modern Buyers
- Mortgage approvals in as little as 2 weeks
- Exclusive bank offers
- Best rate for a mortgage loan
- Digital calculators and affordability tools
- Experienced advisors with 20+ years of banking experience
They make banks compete for your business.
Mortgage Services Provided by Huspy
Huspy supports a wide range of financing needs:
- Resident mortgages
- Non-resident mortgages
- Equity release and buyouts
- Commercial finance
They guide clients through every step, from application to disbursal.
Simplified Mortgage Process
Huspy breaks the journey into four simple steps:
- Speak to a mortgage expert
- Complete your application
- Match your mortgage with a property
- Finalise and receive funds
For buyers who value speed and simplicity, Huspy is a strong choice.
5. Phillips & Walls – Trusted Mortgage Advisors in UAE & UK
Phillips & Walls brings over 25 years of mortgage experience across the UK and the UAE. They are known for their integrity, transparency, and personalised service.
What Sets Phillips & Walls Apart
- Strong relationships with UAE and UK lenders
- Dedicated advisors, not automated systems
- Expertise in both UAE and UK mortgages
- Focus on long-term client relationships
They act as true financial partners.
Mortgage Services Offered
Phillips & Walls provides tailored solutions for:
- New property purchases
- Re-mortgaging and refinancing
- Buy-to-let investments
- Equity release
- UK mortgages for UAE residents
They handle everything from consultation to completion.
How Phillips & Walls Works
- Initial one-on-one consultation
- Custom mortgage strategy
- Documentation and bank coordination
- Approval and property transfer support
Clients consistently highlight their professionalism and communication.
Comparison Table: Best Mortgage and Finance Agents in the UAE
Here is a table to help identify which agents come up with the best mortgage rates in the UAE.
| Company | Ideal For | Key Strength |
| Lion Mortgage | All buyer types | Bank access & negotiation |
| FCMB | Complex cases | High approval rates |
| My Mortgage | First-time buyers | Personalised service |
| Huspy | Speed-focused buyers | Tech-driven efficiency |
| Phillips & Walls | Investors & UK buyers | Transparency & expertise |
Mortgage Law in the UAE
Mortgage law in the UAE is governed by UAE Central Bank regulations and local property laws. Banks can finance up to 80% for first-time UAE national buyers and up to 75% for expats. Mortgages are registered against the property with the relevant land department, such as the Dubai Land Department.
Why the Best Mortgage and Finance Agents in the UAE Matter?
The UAE mortgage market is one of the most competitive in the region. Banks offer dozens of products. Each one comes with different rates, loan-to-value limits, documentation requirements, and approval timelines.
If you walk into a bank directly, you only see one perspective—that bank’s products. But when you work with the best mortgage and finance agents in the UAE, you see the whole market.
What Mortgage & Finance Agents Really Do
Mortgage agents are not just middlemen. They are advisors, negotiators, and problem solvers.
They:
- Compare offers from multiple banks
- Match products to your financial profile
- Negotiate better rates and terms
- Handle documentation and follow-ups
- Guide you until the keys are in your hand
- Most importantly, they protect your interests.
Key Benefits of Using a Mortgage Agent Instead of a Bank
Let’s break it down simply.
When You Go Directly to a Bank
- Limited product options
- Standard lending criteria
- Less flexibility
- Minimal negotiation
- Slower response for complex cases
When You Use a Mortgage Agent
- Access to multiple lenders
- Customised solutions
- Higher approval chances
- Faster processing
- Ongoing support
That’s why experienced buyers almost always choose a broker.
How to Choose the Right Mortgage Agent for You
Ask yourself these questions:
- Are you a resident or non-resident?
- Are you salaried or self-employed?
- Is your case straightforward or complex?
- Do you prefer speed or personalised advice?
The answers will help you decide who is the best agent to go ahead with. But do know that the best mortgage and finance agents in the UAE will adapt their approach to you—not the other way around.
Frequently Asked Questions (FAQs)
Who can apply for a mortgage in the UAE?
Both residents and non-residents can apply, subject to income, credit history, and property type.
Is it better to use a mortgage broker than a bank?
Yes. Brokers provide access to multiple banks and negotiate better terms.
What is the best time to get a mortgage?
Many lenders push for more applications early in the month, while the end of the month is often the best time for both lenders and borrowers to close a mortgage.
How do you know if a mortgage broker is good?
A good mortgage broker in the UAE is RERA-registered, works with multiple banks, is transparent about fees, and has strong client reviews.
Final Conclusion: Why Choosing the Best Mortgage and Finance Agents in the UAE Matters
A mortgage is not just a loan. It’s a long-term financial commitment. Choosing the right advisor can save you thousands of dirhams and months of stress.
The best mortgage and finance agents in the UAE bring clarity to complexity. They negotiate on your behalf. They protect your interests. And they guide you with confidence.
Whether you are buying your first home, upgrading, or investing, the right mortgage partner makes all the difference.
Take your time. Ask the right questions. And choose a broker who truly puts you first. Because your property journey deserves expert guidance—and now you know exactly where to find it.
