How it works
A clear path from first conversation to completion.
At each step you’ll know what you provide, what we do, what the bank decides — and what happens next.
Five clear steps
- 01
Tell us your plans
- You provide
- Your goals, budget, timing and any property you have in mind.
- We do
- We listen, ask the right questions and outline your likely options.
- The bank decides
- Nothing yet — this is guidance, not a lender decision.
- Next milestone
- An initial view and a document list.
- 02
Understand your position
- You provide
- Identity, income and commitment documents.
- We do
- We assess likely eligibility and which lenders fit your profile.
- The bank decides
- Nothing yet — we prepare you before approaching lenders.
- Next milestone
- A clear budget and a lender shortlist.
- 03
Compare suitable options
- You provide
- Your priorities: fixed period, fees, flexibility.
- We do
- We compare offers on total cost and prepare your application.
- The bank decides
- The lender reviews your application and may issue pre-approval.
- Next milestone
- Pre-approval, where available.
- 04
Approval and completion
- You provide
- Property details and any extra documents requested.
- We do
- We coordinate valuation, final offer and transfer.
- The bank decides
- The lender values the property and issues its final offer.
- Next milestone
- Registration, transfer and keys.
- 05
Plan what comes next
- You provide
- Updates when your plans or circumstances change.
- We do
- We help you review before your fixed period ends and at key moments.
- The bank decides
- Any new lender decides on refinancing or new borrowing.
- Next milestone
- A mortgage that keeps fitting your life.
Common causes of delay
- Missing or out-of-date documents
- Valuation coming in below the agreed price
- Changes in income or employment during the process
- Credit-card limits or loans not disclosed at the start
- Developer or seller paperwork not ready on time
Costs to plan for
- Down payment
- Land department or registration fees (set by each emirate)
- Mortgage registration fee
- Lender arrangement and valuation fees
- Agency fee, if applicable
- Insurance or takaful
After completion
- Reviews before your fixed period ends
- Support if your circumstances change
- Refinancing, equity release or your next purchase
- Planning for early or final settlement
Your advisors
Talk it through with the people who’ll handle it.
A Retention advisor guides you from the first comparison through to completion — and is there when you need a review.
Let’s make your next property decision clearer.
Tell us what you’re planning. An advisor will help you understand the next step.