OMC - Right Mortgage Starts with the Right Advice
A mortgage isn't just about interest rates, it's about structure, eligibility, and long-term financial impact. We guide you through the entire process, so you move forward with clarity, not assumptions.
No commitment. No pressure. Just a clear picture of where you stand.
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Getting a Mortgage in the UAE
Is More Complex Than It Looks
The UAE mortgage market has clear regulations but navigating them without the right guidance costs buyers time, money, and sometimes the property itself. Under UAE Central Bank guidelines, residents can finance up to 80% of a property's value for purchases under AED 5 million. For non-residents, that drops to 50%. First-time buyers and seasoned investors face different documentation requirements, approval timelines, and lender criteria. Then there's the Dubai Land Department transfer fee of 4%, mortgage registration fees, valuation costs, and life insurance requirements that most buyers discover mid-process, not before.
Wrong lender, wrong terms
Not all banks offer the same rates, flexibility, or approval speed. Going directly without comparison leads to deals that cost more over time.
Documentation gaps that delay approval
Missing or incorrectly structured documents are the most common reason mortgage applications stall sometimes for weeks.
Hidden costs that break the budget
Buyers plan for the property price. Few plan for DLD fees, registration charges, valuation fees, and bank arrangement costs on top.
End-to-End Mortgage
Support, One Point of Contact
OMC handles every stage of the mortgage process from eligibility assessment to final approval, so you move forward with clarity and confidence at every step.
Mortgage Eligibility Assessment
We review your financial profile before you approach any lender. Income, liabilities, credit position, and residency status assessed so you know exactly where you stand.
- ›Resident and non-resident eligibility review
- ›Debt burden ratio assessment (50% DBR cap)
- ›Pre-approval readiness check
Lender Selection & Comparison
We work across UAE banks and financial institutions to identify the right lender for your situation — not just the lowest headline rate.
- ›Fixed vs. variable rate comparison
- ›Islamic vs. conventional mortgage options
- ›Bank-specific criteria matching
Documentation Preparation
A complete, correctly structured application is the fastest path to approval. We prepare and review every document before submission.
- ›Salary certificates, bank statements, NOCs
- ›Property valuation coordination
- ›Application structuring for lender requirements
Mortgage Application Management
We manage the full submission and follow-up process with the lender. You stay informed at every stage without chasing banks yourself.
- ›Application submission and tracking
- ›Query resolution with lenders
- ›Timeline management and updates
Off-Plan & Ready Property Mortgages
Whether buying a completed property or investing off-plan, the mortgage structure and requirements differ. We advise on both.
- ›Off-plan developer payment plans vs. bank finance
- ›Ready property mortgage processing
- ›Investment property financing guidance
Expat & Non-Resident Mortgage Support
Non-residents face different LTV limits, documentation requirements, and lender options. We handle the complexity so the process stays clear.
- ›Non-resident LTV guidance (up to 50% financing)
- ›International income documentation
- ›Lender options for non-UAE residents
Not Sure Where to Start?
Most clients come to us before they've even chosen a property. That's exactly the right time.
Six Steps, Zero Confusion
Free Eligibility Review
We assess your financial position, residency status, and borrowing capacity before anything else. You know what's possible before you commit to anything.
Property & Lender Matching
Based on your profile and property target, we identify the right lenders and structure — fixed, variable, Islamic, or conventional.
Document Collection
We provide a clear document checklist and review everything before submission. No surprises at the bank.
Application Submission
We submit a complete, well-structured application to the selected lender and manage the process from that point forward.
Approval & Offer Management
Once approved, we review the mortgage offer with you — terms, conditions, and early settlement clauses — before you sign anything.
Completion & Handover
We coordinate with the DLD, developer, or seller to ensure the final transfer and mortgage registration are completed correctly.
A Broker Finds You a Rate, An
Advisor Gets You the Right Deal
Most mortgage brokers are incentivized by lender commissions. OMC's advisory approach is built around your outcome — the right structure, the right lender, and no costly surprises.
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Independent Guidance
No single bank relationship. We're not tied to any lender, which means our recommendations are based entirely on what works for you — not what earns us the best commission. We access the full UAE mortgage market on your behalf.
Meet our team.
Behind every business we form is a team that understands the UAE inside out, regulations, relationships, and the practical steps that turn a plan into a licensed, operational company.
Kashif I Jillani
Founder & CEO
Faisal Imran
Co-Founder & Managing Director
Roxy Villanueva
Executive Operations Manager
Sajid Hussain
Operations Director
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