Find Your Perfect Home Loan Today
Dreaming of owning a home? Our Home Loan options are designed to make the process straightforward and affordable, featuring competitive interest rates and customizable terms to suit your financial situation.
We provide competitive hobby rates, adaptable repayment options, and personalized advice during the whole domestic house loan procedure. Our knowledgeable team of home loan specialists will collaborate closely with you to fully grasp your objectives and identify the ideal loan option that complements your way of life and financial situation.
Unlock the Door to Your Dream Home with Our Hassle-Free Home Loans!
Look no further than T.M.R.C. Financing Broker LLC if you’re looking for the best house finance or loan in Dubai. Our home loan provider is here to support you in reaching your home ownership objectives, whether you’re buying your first house or refinancing your modern home loan. Get in touch with us right now to learn more and start the journey to proudly owning the house of your dreams.
Eligibility Criteria For Home Loan
- • Borrowers must own and acquire the property.
- • Income is sufficient to afford loan repayments.
- • Positive credit score and history.
- • Typically necessary, however, this varies according to the lender and loan type.
- • Provide the relevant legal documentation about the property.
Required Documentations
- • Salaried Individuals: Proof of earnings, employment verification, bank statements, and identity files.
- • Self-Employed Individuals: Business monetary statements, proof of profits, tax returns, and identity files.
- • Rental Income: Property information, present apartment agreements or projected condominium earnings, economic statements, and identification files.
- • Non-Residents: Proof of profits, financial institution statements from home United States and UAE, property information (if relevant), and identification files.
Call us Anytime
+971 50 5899126
Find Your Perfect Home Loan Today
Dreaming of owning a home? Our Home Loan options are designed to make the process straightforward and affordable, featuring competitive interest rates and customizable terms to suit your financial situation.
Get Started NowWhy Choose Our Home Loan Services?
Competitive Rates
Secure the most attractive interest rates in Dubai's market, saving you thousands over your loan term.
Flexible Terms
Customizable repayment plans from 5 to 25 years to match your financial capabilities and goals.
Expert Guidance
Personalized advice throughout the entire home loan process from our experienced specialists.
Simple 4-Step Home Loan Process
Application
Complete our simple online form or meet with our loan specialist.
Documentation
Submit required documents for quick verification.
Approval
Get pre-approved within 48 hours in most cases.
Disbursement
Funds released upon property registration.
Home Loan Eligibility Criteria
Basic Requirements
- Minimum age: 21 years
- Maximum age at maturity: 65 years
- Valid UAE residence visa
- Good credit history
Income Requirements
- Minimum salary: AED 15,000/month
- Salary transfer preferred
- Debt burden ratio ≤ 50%
- 6 months employment minimum
Property Requirements
- Property must be in approved areas
- Minimum property value: AED 500,000
- Maximum loan-to-value: 80%
- Valid title deed required
Required Documents
For Salaried Individuals
- Passport copy with visa page
- Emirates ID (front & back)
- Latest 6 months bank statements
- Salary certificate
- Latest 3 months payslips
- Completed application form
For Self-Employed
- Trade license copy
- 2 years audited financials
- 6 months company bank statements
- Personal bank statements
What Our Clients Say
"TMRC made my home buying experience seamless. Their team secured me a rate 0.5% lower than what I was quoted elsewhere, saving me thousands over my loan term."
— Ahmed R., Dubai"As an expat, I was nervous about navigating Dubai's property market. The TMRC team guided me through every step and found a perfect financing solution for my villa purchase."
— Sarah L., UK ExpatHome Loan Comparison
| Features | Standard Home Loan | Premium Home Loan | Expatriate Home Loan |
|---|---|---|---|
| Interest Rate | From 3.99% | From 3.49% | From 4.25% |
| Maximum Loan Amount | AED 15M | AED 20M | AED 10M |
| Loan Tenure | Up to 25 years | Up to 25 years | Up to 20 years |
| Loan-to-Value Ratio | Up to 75% | Up to 80% | Up to 70% |
| Processing Fee | 1% of loan amount | 0.5% of loan amount | 1% of loan amount |
| Prepayment Charges | 1% for first 3 years | None after 1 year | 1% for first 5 years |
Frequently Asked Questions
How much can I borrow for a home loan?
+The amount you can borrow depends on your income, existing financial commitments, and the property value. Generally, banks in Dubai offer up to 80% of the property value for UAE nationals and 75% for expatriates.
How long does the approval process take?
+Pre-approval can be obtained within 48 hours of submitting all required documents. Full approval typically takes 5-7 working days after property valuation is completed.
What's the difference between fixed and variable rates?
+Fixed rates remain constant for an initial period (typically 1-5 years), then convert to variable. Variable rates fluctuate with market conditions. We'll help you choose the best option for your situation.
Can I get a home loan without salary transfer?
+Yes, some banks offer non-salary transfer home loans, usually at slightly higher interest rates. Requirements may include a higher minimum salary and larger down payment.
