New Purchase
Secure the right mortgage for your new property purchase.
Buyout & Refinance
Lower your rate, improve your terms, or restructure your existing mortgage.
Equity Release
Unlock cash from the value built up in your property.
Handover Payment
Arrange your mortgage before handover and complete your purchase smoothly.
Cashback
Receive up to AED 500,000 cashback on eligible property purchases.
Multi-bank Pre-approval
Know your borrowing power with pre-approval options across 25+ lenders.
UAE mortgage advice matched to your file.
Enter your details.
Get pre-approved in 5 minutes.
Four numbered steps. Enter once — TruMortgage emails your mortgage pre-approval within 5 minutes.
01
Personal Details
Enter your basic personal, contact, income and employment details.
02
Upload Documents
Upload the documents required for mortgage pre-approval — securely.
03
Biometric Verification
Confirm your identity with biometric verification — quickly and securely.
04
Receive Your Pre-Approval
When the steps are complete, your mortgage pre-approval result is sent to your email within 5 minutes.
TruValue
Homes at their true value.
We only recommend properties that have completed MOVA's independent valuation — helping you buy at the right price and earn returns based on real market value.
Downtown−11% vs asking
Marina−8% vs asking
Palm−6% vs asking
Area price reports: Downtown Dubai · Business Bay · Dubai Marina · JVC · Dubai South · Jebel Ali · Meydan · International City · Best areas to buy
FAQs
Frequently asked questions.
What is MOVA?
MOVA is a UAE digital mortgage and property advisory platform. We help buyers in Dubai and across the Emirates secure home financing, purchase independently valued property, and apply for the Golden Visa through eligible real estate investment — all with one dedicated advisor.
How do I get a mortgage in Dubai and the UAE?
Start with MOVA's calculator for a quick estimate, then request free pre-approval. We compare offers from 25+ UAE banks, negotiate the rate on your behalf, and manage the paperwork end to end — from application to final disbursement.
How much can I borrow on a UAE home loan?
UAE residents can typically finance up to 80% of a property's value on a first home, while non-residents are usually limited to around 60%. Your exact loan-to-value depends on the bank, your income, and the property type and price.
What are the fees and total upfront cost?
MOVA's advisory service is free. You should still budget for standard third-party costs: the DLD transfer fee (4% of the price in Dubai), a property valuation fee, and a bank processing fee (usually up to about 1% + VAT). We always show every cost upfront — no surprises.
Can I get a Golden Visa by buying property in the UAE?
Yes. A property investment of AED 2 million or more can qualify you for a 10-year UAE Golden Visa, and eligible mortgaged purchases count too. MOVA guides you through the financing, documentation and application steps.
How fast is mortgage pre-approval?
You can receive an indicative pre-approval within minutes using our tools. Formal bank pre-approval usually follows within 3–5 business days and is typically valid for around 60 days, giving you time to find the right home.
Can non-residents get a mortgage in Dubai and the UAE?
Yes. Many UAE banks lend to non-resident investors buying in Dubai and the UAE, commonly up to about 60% loan-to-value on a first purchase. Terms vary by bank and nationality, and MOVA finds the lenders most likely to approve you.
Why does MOVA only show valuation-backed properties?
We recommend only homes that have passed an independent valuation, so you buy at fair market value rather than an inflated asking price. This protects your deposit, supports a smoother mortgage approval, and gives a realistic view of rental yield.