Unlocking the door to your dream home
with tailored mortgage solutions.
Why Us?
At 5th Element Brokers we understand that a mortgage is more than just a loan - it's an opportunity to make your dreams a reality. Whether you're a first-time home buyer or looking to refinance, our team of dedicated professionals is here to guide you through every step of the process. With years of industry experience and a commitment to personalized service, we strive to find the mortgage solution that best fits your unique needs and goals. Trust us to simplify the mortgage journey and provide you with the financial freedom you deserve
- Purchase New House
- Apply For Loan
- Refinancing Your Home
- Capital Management
- Renovation House
- Refinance Advisor
20
YEARS OF EXPERIENCE
98
VOLUNTEERS PARTICIPATED
56
VETERAN HOMES COMPLETED
90
CUSTOMER WORLDWIDE
We Are Here To Help You
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Make it Your Dream
Our commitment: Your terms, your dream home financing options. Let us help you find your perfect match
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24/7 Service
Working with us you get your personal consultant who will in touch with you 24/7 during whole process
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Transparency
We believe in complete transparency when it comes to your mortgage. We provide clear and concise explanations of the options available to you, including the associated costs and risks, empowering you to make informed decisions about your mortgage.
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Hassale free
Get pre approval. Sign the final offer letter.
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guaranty of sucess
We guaranty you success if you match our requirements
Among Them We’re
5th Element Brokers, we pride ourselves on being different from other mortgage brokers in several ways. Here's how:
Personalized Approach:
We believe that every client is unique, and we strive to tailor our services to meet your specific mortgage needs. We take the time to understand your financial situation, preferences, and long-term goals to provide customized solutions.
Expert Guidance
Our team of experienced mortgage professionals is dedicated to guiding you through the mortgage process from start to finish. We are always available to answer your questions, provide expert advice, and ensure a smooth and seamless experience.
Customer Service
Exceptional customer service is at the heart of what we do. We are passionate about helping you achieve your homeownership goals and strive to make your mortgage journey as stress-free as possible. Our friendly and knowledgeable team is committed to your satisfaction every step of the way.
We always put you first
You are at the heart of what we do. Our friendly and knowledgeable team is committed to your satisfaction every step of the way.
long-Term Relationships
We don't view our clients as just a transaction. We value long-term relationships and aim to be your trusted mortgage partner for all your future borrowing needs. As your financial situation changes over time, we are here to provide ongoing support and guidance.
Get Mortgage Quote
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Get A Quote-
HOW MUCH MONEY CAN I BORROW FOR A MORTGAGE IN DUBAI?
The amount you can borrow entirely depends on your liabilities and income. If the property's value is under AED 5 million, you borrow up to 80% as an expat and 85% if you’re a UAE national. If the value is above AED 5 million, the percentage decreases to 70% for expats and 75% for UAE nationals. A quick calculation is that you can borrow 7 times your annual salary as a maximum or to the LTV limits mentioned above.
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HOW LONG WILL IT TAKE FOR MORTGAGE TO GET APPROVAL?
The pre-approval usually takes 5-6 working days. However, securing this pre-approval might take a longer time, depending on the bank and your current situation. Once this pre-approval is issued and the property you want to buy is finalised, we will do everything on your behalf, so you can sit back and relax, until the process is done.
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WHAT DOCUMENTS DO I NEED TO APPLY FOR A MORTGAGE?
Depending on your specific circumstances, different documents may be required, but mortgage brokers can review this with you. For your mortgage, the following paperwork is typically needed: ->Copy of your passport, visa and Emirates ID ,Salary certificate ->Last six months' pay slips and bank statements ->Latest credit card statements ->Proof of your current address – a copy of the DEWA bill or tenancy agreement
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WHATA MORTGAGE PREAPPROVAL?
It’s a letter issued by the bank after reviewing your loan application, and approving your requested amount in principal and conditional on a valuation being undertaken on the property you wish to buy. This pre-approval is valid, in most cases, for 60 days, thus offering you the confidence that you will get your loan on time once you decide which property you are buying and all further checks by the lender are complete.