UAE Mortgage Advisory RERA Certified

Why do most UAE
mortgage applications get
rejected first try?

Answer 7 quick questions. Get a personalised eligibility summary. Book a Zoom call with a specialist, profile already in front of him.

  • ✓
    Off-plan, secondary, refinance and commercial
  • ✓
    Emiratis, residents, expats and non-residents
  • ✓
    Salaried and self-employed structured separately
  • ✓
    Free, no credit check, no commitment
RERA 1586963
Data never shared
Response within 2 hrs
What are you looking to do? 1 of 7
What are you looking to do?
Select the type of transaction, this determines your rates, LTV, and bank options.
🏗️
Off-plan purchase
New development
✓
🏠
Secondary market
Ready property
✓
🔄
Refinance
Better rate
✓
💰
Equity release
Access cash
✓
🏢
Commercial finance
Office / retail
✓
🔍
Not sure yet
Show me options
✓
What's your residency status?
This sets your maximum LTV and which banks and products apply to you.
🇦🇪
UAE National (Emirati)
Up to 85% LTV. Best rates available
✓
🪪
UAE Resident (expat)
Emirates ID holder, up to 80% LTV
✓
✈️
Non-Resident
Based abroad, investing in UAE, up to 70% LTV
✓
🛬
Relocating to UAE
Moving to UAE, specialist structures available
✓
What's your employment situation?
Different income types require different documentation and bank approaches.
💼
Salaried employee
Fixed monthly salary, salary certificate + bank statements
✓
🏪
Self-employed / business owner
Trade license and 2 years audited accounts required
✓
💻
Freelancer / contractor
Freelance visa or contract income, specialist lenders
✓
📈
Investor / passive income
Rental income, dividends or investment returns
✓
Tell us about the numbers.
Approximate range is fine, a specialist confirms the exact figures on the call.
Property value AED 2,000,000
AED 500KAED 20M
Your current age 35 years
21 yrs64 yrs
Max loan term
25 years
Age 35 → retires at 65 → full 25-year term available
Down payment available
Standard resident minimum is 20%, you're well positioned for most lenders.
AED 1,500K
Est. loan amount
AED 500K
Down payment
AED 7,800
Est. monthly
What's your approximate monthly income?
Used to calculate your borrowing power. All figures stay private.
💵
Under AED 15,000
Limited options, a specialist will advise what's achievable
✓
💵
AED 15,000 – 30,000
Eligible for up to ~AED 1.8M at most banks
✓
💵
AED 30,000 – 60,000
Strong profile, eligible for AED 1.8M–4M
✓
💎
AED 60,000 – 150,000
High-value buyer, full product range available
✓
🏆
AED 150,000+
Institutional profile, private banking rates available
✓
When are you looking to move?
Helps our specialist prepare the right options before your Zoom call.
⚡
Within 30 days
Urgent. We will prioritise and fast-track
✓
📅
1 – 3 months
Standard timeline. Time to structure properly
✓
🗓️
3 – 6 months
Planning ahead. Ideal for off-plan buyers
✓
🔍
Just exploring
Want to understand my options first
✓
Almost there, your details.
Our specialist reviews your full profile before the Zoom call.
✓
Based on your answers, you qualify for a UAE mortgage assessment. Book your 30-min Zoom and a specialist walks you through your exact options.
✓
Your profile is ready, there.
Our specialist has been notified. Book your 30-minute Zoom call, your full profile will be in front of him before you connect.
Your mortgage profile
Transaction—
Residency—
Employment—
Property value—
Down payment—
Est. loan—
Age / Max term—
Monthly income—
Timeline—
📹
Zoom call with a specialist
Free Mortgage Consultation
30 minutes
Zoom video call
Free, no commitment
Book Your Zoom Call Now
or message directly
WhatsApp. No scripts.

Your data is never shared. RERA 1586963.

Trusted by buyers working with UAE's leading mortgage lenders
HSBC MIDDLE EAST
Emirates NBD
FAB FIRST ABU DHABI BANK
AD ADCB ABU DHABI COMMERCIAL
DIB DUBAI ISLAMIC BANK
RAK RAKBANK
mashreq
SC STANDARD CHARTERED
HSBC MIDDLE EAST
Emirates NBD
FAB FIRST ABU DHABI BANK
AD ADCB ABU DHABI COMMERCIAL
DIB DUBAI ISLAMIC BANK
RAK RAKBANK
mashreq
SC STANDARD CHARTERED
Trusted by buyers across Dubai, Abu Dhabi and international investors worldwide.
LR
AK
CM
MJ
200+ Trusted Clients
200+
Mortgages structured
12
Clients in 12 countries
15+
Access UAE banks
AED 200M+
Total loan volume
Who is behind Atapex

Fifteen years on the
other side of this.

Miami  ·  New York  ·  Dubai

|
15+ Years in Mortgage Lending
200+ UAE Mortgages Structured
RERA Certified 1586963
Miami · New York · Dubai

Free. 30 minutes. No commitment.

🔇 Tap for sound
Rony Hecker
Founder, AtApex
Testimonials

What our clients say.

Real stories. Real clients. Real results across Dubai, Abu Dhabi, and from investors based internationally.

★★★★★
English

"AtApex guided us seamlessly from start to finish. They made the financing process simple and stress-free, and we moved into our villa in Dubai Hills in under three months!"

LR
Layla R.
Dubai Creek · Off-plan Apartment
★★★★★
English

"As first-time buyers we had so many questions, but AtApex found us the best rate available and handled every detail of the paperwork. We never had to chase anyone."

AK
Ahmed K.
Palm Jumeirah · Villa Refinance
★★★★★
Español

"¡Muy buen trabajo! Mi caso no era nada fácil pero se logró gracias a AtApex. Rony es muy profesional y sabe exactamente cómo estructurar situaciones complicadas. Lo recomiendo 100%."

MG
Miguel G.
Spain · Dubai Marina
★★★★★
Español – Venezuela

"Soy de Venezuela y llevo en Dubai más de 2 años. Me ayudaron a estructurar mis finanzas para poder ser aprobado. Sin ellos honestamente no sé cómo lo hubiera logrado."

OR
Oscar R.
Venezuela / Dubai resident · Business Bay
★★★★★★
Español – Colombia

"El proceso fue complicado, fue en marzo de 2026 y había presión con los tiempos del banco. El servicio fue muy bueno, estuvieron pendientes de todo. Al final se logró y ya tenemos las llaves."

VA
Valentina A.
Colombia · Dubai Hills Estate · March 2026
★★★★★★
English / India

"Self-employed with income across two companies, I had been turned away by two banks. AtApex restructured how my income was presented and got us approved at Emirates NBD. A masterclass in knowing the system."

RK
Raj K.
India · Sobha Hartland · Self-employed
200+ Mortgages Structured
Clients in 12 Countries
15+ UAE Bank Partners
AED 200M+ Loan Volume
85% Faster Approvals
Off-plan · Secondary · Refinance
Pre-Approval in 48 Hours
RERA Certified · 1586963
200+ Mortgages Structured
Clients in 12 Countries
15+ UAE Bank Partners
AED 200M+ Loan Volume
85% Faster Approvals
Off-plan · Secondary · Refinance
Pre-Approval in 48 Hours
RERA Certified · 1586963
How it works

From enquiry to approval. 4 steps.

Answer 7 questions, book a Zoom call, and let our specialists handle everything else.

01

Answer 7 questions

Under 3 minutes. No credit check. No commitment. Just your profile.

02

Book your Zoom call

Pick a time via Calendly. Our specialist has your full profile before you connect.

03

Get your options

A specialist walks you through 3–5 lenders matched exactly to your profile.

04

We handle everything

You approve the best option. We submit, follow up, and get you to keys.

Common questions

Quick answers.

Off-plan mortgages finance properties under construction, payment plans are usually developer-driven and banks release funds in stages. Secondary market mortgages finance completed, ready-to-move properties and follow standard bank LTV rules. The documentation, banks, and timelines are different. We structure both.
UAE Nationals (Emiratis): up to 85% LTV on first property. UAE Resident expats: up to 80% LTV. Non-residents: typically 70% LTV. These are Central Bank maximums, some banks offer less depending on the property type and your income profile.
Yes. We specialise in non-resident applications. You'll need 30–50% down depending on the bank, and documentation includes overseas income proof, 6 months bank statements, and passport copies. We know exactly which banks approve non-residents consistently.
Yes. Self-employed applicants need 2 years audited financials, a trade license, and 6–12 months business bank statements. We've structured hundreds of self-employed profiles and know which banks are most flexible. Freelancers and contractors can also qualify with the right approach.
Yes. No obligation, no fee. Our specialist gives you a frank assessment, including if he thinks you should wait or fix something before applying. He gets paid when deals complete, which means his advice is always in your interest.
Schedule a Call

Skip the bank queue.
Talk to a human instead.

Fill in your details below and a specialist contacts you to confirm the slot. Bring your questions, no preparation needed. We handle the rest.

📹
30-minute Zoom video call
⚡
Confirmation within 2 hours
🔒
Free, no commitment
🌍
Available internationally, any time zone
📋
Your profile reviewed before the call
No robots. No hold music.
Fill this in. A real human calls you back. Usually before you finish your coffee.
⚠️ Serious enquiries only. Real numbers, real talk. We respond to every genuine request personally.

By submitting you agree to be contacted. We never share your data. RERA 1586963.

AtApex Executive Mortgage

UAE mortgage advice that puts your outcome first, not the bank's. Off-plan, secondary, refinance and commercial. RERA certified.

RERA 1586963
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© 2026 Atapex. RERA Certified. All rights reserved. Information is for guidance only and does not constitute a mortgage offer.
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