Why US

How Specialists Mortgage helps you


Save Money

WE SAVE YOUR MONEY. We will assist in all the paperwork to get an easy Mortgage for you


We understand

We understand your needs in detail and based on your profile, lifestyle and budget, our mortgage experts advise the best available rate and features that help you meet your exact needs.


Being Partnered with Banks

Being partnered with various leading banks in the UAE, we are not limited to our offering in mortgage products.



Guidance through the entire mortgage journey till you have the keys to your dream home in hand.


Customised Offers



WE Work for You

We work for you and not the bank. Our team of experts help you get the best of the best what the banks have to offer.

Our Partners


We hear you out and understand your requests.

Free Initial Consultation

Free initial consultation where you interact with the Mortgage Advisor to discuss the finance requirement, existing financial position, and expectations of mortgage. The Mortgage Advisor works on the information provided by you and advises on the possibility of obtaining required mortgage amount. Costs involved and further processes are discussed in brief. The Pre-Approval Documentation requirement is advised to the Client.

  • Step 1: Document Collection & Review

    The Documentation provided by you is reviewed by the Mortgage Advisor. If any clarifications are required, they are sought from the Client. This is very crucial to avoid any subsequent delays at the bank's end. As each Client profile is different, the best possible product parameters are explored, pricing is advised, and the choices are discussed for shortlisting the ideal bank or financial institution

  • Step 2: Submission of Pre-Approval

    After the review, you will sign the preferred banks application form and upon your confirmation, the documentation provided is forwarded to the bank

  • Step 3: Bank issues the Pre-Approval

    Bank issues the Pre-Approval which will include the amount (Loan Value) and Loan Tenure that you are eligible from the bank. This has a validity of 60 to 90 days (Varies across banks)

  • Step 4: Property Identification

    Before signing the property purchase MOU, we request you share the MOU draft with us to ensure you are adequately protected in reference to your mortgage finance commitments to the property seller. We also recommend that you should obtain the copies of property title deed, Sale Purchase Agreement, floor plan, tenancy contracts, etc. at this stage.

  • Step 5: Property Evaluation

    All Property related documents are submitted to bank along with the Valuation fees cheque. A bank appointed valuator then visits the chosen property and submits the report to Bank. Upon receiving the report, bank issues the Final Offer Letter.

  • Step 6: The final Approval

    The final approval is reviewed jointly by Mortgage Advisor and You before accepting the offer and signing the bank documentations.

  • Step 7: Medical Test Requirements

    The Client is advised of the medical test requirements, if any, for life insurance cover. Mortgage Account is also opened at this stage.

  • Step 8: Developer NOC

    After ensuring that all the documents are in order, the bank requests for the Developer NOC.

  • Step 9: Initiates Settlement

    The bank initiates settlement of the Seller's Loan in case the seller has any mortgage outstanding. In case the property is self-financed by the Seller, the transfer of the property is scheduled by the bank at the Land Department Trustee Office.

  • Step 10: DLD Transfer

    After Land Department transfer, the funds are released by bank to the seller.


Contact With Us

Emergency Contact +971 55 200 5240

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