The right mortgage,
arranged properly.
Independent UAE mortgage advice across every major lender. We compare the whole market, handle the paperwork and stay with you through to handover — at no cost to you.
- Regulated UAE mortgage advisory
- 27 lender relationships
- No fee to the borrower
- Arabic and English service
You could buy up to
AED 3,963,411
- Maximum loan
- AED 3,170,729
- Monthly payment
- AED 17,000
- Deposit needed
- AED 792,682
- Cash needed upfront
- AED 1,050,304
Indicative only. Assumes the Central Bank 50% debt-burden cap, a maximum loan-to-value of 80% for this profile, and 6.5% in DLD, trustee, agency and valuation costs on top of the deposit. Real lender pricing depends on your full profile.
Estimated monthly payment
AED 9,436
- Loan amount
- AED 1,760,000
- Total interest
- AED 1,070,895
- Cash needed upfront
- AED 583,000
Indicative only. Upfront cash includes your deposit plus roughly 6.5% in DLD, trustee, agency and valuation costs. Actual lender pricing depends on your full profile.
Comparing 27 UAE lenders, including
AED 2.4B
Financing arranged
27+
Lenders compared
96%
Approval rate
11 days
Median to offer
Six mandates, one standard of care
Whatever the case, the process is the same: whole-market comparison, honest total-cost maths, and one adviser who stays with the file to completion.
One expert, the whole market
Without a mortgage broker
- Visit multiple banks yourself
- Compare confusing offers alone
- Handle all the paperwork yourself
- Never sure you got the best option
With Miracle Keys Mortgage
- One expert advisor
- Compare multiple UAE banks
- Guidance in simple language
- Help with all the paperwork
- Ongoing support until completion
Pre-approved in days, not months
Most delays are avoidable. They come from incomplete files, the wrong lender for the profile, and nobody chasing the underwriter. We remove all three.
11days
Median time to formal offer
Measured across cases completed in the last twelve months, from first consultation to written offer.
1adviser
One named contact throughout
The person who takes your first call is the person who manages the file to handover. No handoffs, no repeating yourself.
0AED
Cost to you, ever
We are paid by the lender on completion. Our advice costs you nothing at any stage, whatever you decide.
Four steps, fully managed
- 01
Free consultation
We map your income, liabilities and deposit against real lender criteria — before you view a single property.
- 02
Whole-market comparison
We price your case across 27 lenders and show you the total cost, not just the headline rate.
- 03
Pre-approval
We package and submit the application, then manage underwriter questions on your behalf.
- 04
Valuation to handover
We coordinate valuation, final offer, settlement and transfer, and stay on the case to completion.
Looking for the property too?
We are mortgage advisers first, which changes how we search. We start from what you can comfortably borrow, then find property that fits it — not the other way round.
Send us your briefPrefer to talk it through?
Speak to an adviser about deposits, rates, pre-approval and fees. We compare the whole market and give you a clear, written recommendation — free, with no obligation.
Book a free consultationCases we were glad to take
They found a lender who would count my UK income when two banks had already declined me. The whole thing took eleven days.
I was about to sign a variable rate without understanding the reversion. They modelled both options and saved me roughly AED 90,000 over the fix.
First purchase, no idea where to start. Clear answers every time and they never once charged me anything.
Home buying, from A to Z
Answers before you ask
Still unsure? A first conversation costs nothing and carries no obligation.
Is your mortgage consultation really free?+
Yes. Our mortgage consultation is completely free. We explain your options, compare different banks, and guide you through the process without charging consultation fees.
How much can I borrow?+
The amount depends on your income, financial commitments and the bank's lending criteria. We calculate your borrowing capacity during your free consultation.
Why should I use a mortgage broker?+
Instead of visiting different banks yourself, we compare mortgage options from multiple lenders, explain the differences, help with paperwork, and support you throughout the approval process.
How long does mortgage approval take?+
The timeline depends on the bank and how quickly documents are submitted. We help ensure your application moves as efficiently as possible.
What documents will I need?+
Most banks ask for your Emirates ID or passport, UAE visa (if applicable), a salary certificate or proof of income, bank statements, and the property details once selected. We tell you exactly what's required for your situation.
Find out what you can borrow
A short conversation, a whole-of-market comparison, and a clear written recommendation. No fee, no obligation.