Frequently asked questions

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.

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.

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 75%. Your exact loan-to-value depends on the bank, your income, and the property type and price.

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.

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.

You can receive an indicative pre-approval within minutes using our tools. Formal bank pre-approval usually follows within 1–3 business days and is typically valid for around 60 days, giving you time to find the right home.

Yes. Many UAE banks lend to non-resident investors buying in Dubai and the UAE, commonly up to about 75% loan-to-value on a first purchase. Terms vary by bank and nationality, and MOVA finds the lenders most likely to approve you.

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.

Most UAE banks look for a stable monthly income and a clean credit history. Under Central Bank rules, your total monthly debt repayments — including the new mortgage — cannot exceed 50% of your income (the Debt Burden Ratio, DBR). MOVA checks this for you before you apply.

Typically: passport and Emirates ID (or visa page for non-residents), a recent salary certificate and pay slips, six months of bank statements, and proof of address. Self-employed applicants add a trade licence and company financials. MOVA gives you a tailored checklist upfront.

Yes. Banks assess business owners on trade licence, personal and company bank statements, and audited financials. Approval is very achievable with the right lender, and MOVA matches you to banks that are comfortable with self-employed income.

A fixed rate keeps your instalment stable for an agreed period, which helps budgeting; a variable rate moves with the market and can be lower initially. The best choice depends on your plans and risk appetite — MOVA compares both across banks so you can decide with clear numbers.

Yes, though off-plan financing works differently from ready homes: banks often release funds in stages linked to construction, and the loan-to-value can be lower. MOVA explains the developer payment plan versus a mortgage so you can compare the true cost.

Yes. If you already have a UAE home loan, MOVA compares refinance and buyout options from multiple banks to lower your rate, reduce your instalment, or release equity — and we handle the switch for you.

Our desktop valuation gives you an independent, data-driven estimate of a property's fair market value before you commit. It draws on recent comparable sales and market trends, helping you negotiate confidently and avoid overpaying.

UAE banks normally require mortgage life insurance and property insurance, which MOVA arranges alongside your loan. Early settlement is allowed; a capped early-settlement fee may apply, and we always confirm the terms before you sign.

Islamic home finance is asset-based: common structures include Murabaha (cost-plus sale), Ijarah (lease-to-own) and diminishing Musharakah (co-ownership that transfers to you over time). Profit or rent replaces interest on a cash loan. Products are approved by the provider’s Sharia board and sit under UAE financial regulation. Start with free pre-approval or a Quick Lead and we explain the structure in plain language.

Yes. Eligibility is based on residency, income, credit profile and the property — not religion. Many buyers choose Islamic structures for the contract design (sale, lease or partnership). MOVA helps you compare Islamic options and complete pre-approval.

Ask how ownership is registered during the term, how early settlement and sale work, how the profit or rent is disclosed, and what insurance (often takaful) is required. Then use MOVA pre-approval so underwriting can start while you review the paperwork.