Rates, fees, fixed periods and what happens after them, side by side, so the cheapest-looking option isn’t mistaken for the best one.
Get guidance through the process
Document preparation, lender coordination and clear next steps from first conversation to completion.
Keep your mortgage under review
Support when your circumstances or financing needs change, long after the keys are handed over.
Meet your advisors
Laith Al JazzaziAhmed El Maher
How it works
A clear path to completion, and a partner long after.
Five stages, one team. Approval is one moment in a relationship that can last decades.
Your goalsEligibility & documentsLenders side by sideKeys in handOngoing support
Your goals01
Tell us your plans
Your property goals, circumstances and timing. One conversation is enough to start.
Eligibility & documents02
Understand your position
Initial eligibility guidance from us, plus a clear list of the documents you’ll need.
Lenders side by side03
Compare suitable options
We assess rates, fees and fixed periods across lenders, then prepare your application.
Keys in hand04
Approval and completion
The bank’s assessment, valuation and final offer, with financing coordinated to completion.
Our assessment
Guidance, not a lender decision.
Pre-approval
The lender’s initial, conditional view.
Final approval
Issued after valuation and final checks.
Ongoing support05
Beyond approval
Your mortgage should evolve with your life. We stay involved at the moments that matter.
Fixed-rate expiry
Changing circumstances
Next property
Final settlement
Client experiences
Real journeys. Clearer decisions.
Ms. Carole AshwortProperty Owner · Al Reem Island
Retention Mortgage provided exceptional support throughout my mortgage application and property purchase. Laith was professional, friendly and incredibly knowledgeable, and was always available to answer questions and guide me through each stage.
My fixed rate was ending and I didn’t know what to expect. The team compared the options clearly, explained the costs of switching, and kept me updated until everything was complete.
A smooth, stress-free refinance.
Sample reviewClient nameFirst-time buyers · Yas Island
As first-time buyers we didn’t know where to start. Retention walked us through the documents, the upfront costs and the timeline, and stayed in touch after we got our keys.
Your deposit depends on your borrower category, property value, purpose, and the lender’s criteria. Use the calculator for an initial estimate, then speak to an advisor about your circumstances. Purchase fees are additional.
Some lenders offer financing to eligible non-residents. Available terms depend on your residence, income, documents, and property. We can help you understand the options relevant to your plans. See non-resident financing.
Self-employed applicants may qualify, subject to lender assessment. Requirements can include business records, financial statements, and evidence of income. We will explain what is needed for your case.
No. Pre-approval is an initial assessment subject to conditions. Final approval depends on the lender’s remaining checks, which can include the property valuation and supporting documents.
Your agreement sets out the rate that follows, which may change with a benchmark and lender margin. Reviewing your mortgage before the fixed period ends can help you understand the next payment and available options. You can test a follow-on rate in the calculator.
We can help assess financing options for your remaining payment. Availability depends on your eligibility, property status, lender criteria, and handover timing. See handover financing.
Retention helps clients explore suitable Islamic home-finance options. An advisor can explain available lender products, profit rates, costs, and the relevant terms. See Islamic home finance.
Ask an advisor for the fees that apply to your case. We’ll explain them before you decide to proceed.
Speak to a mortgage advisor
Let’s make your next property decision clearer.
Tell us what you are planning. We’ll help you understand the next step.
Sample review
Preparing to apply
What to prepare before applying for a UAE mortgage
The documents, figures and decisions that make an application smoother.
Read the guide
Existing mortgages
What happens after your fixed rate ends
How follow-on rates work and when to review your options.
Read the guide
Off-plan and handover
How to plan for your developer’s final payment
Timing, valuation and financing questions to settle before handover.
Read the guide