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UAE's premium finance advisory

Helping UAE residents and investors secure mortgages, business finance and insurance with confidence, across 20+ banking partners.

Mortgage Application

Reference · CF-20458

In Progress
Approved finance amountAED 2,250,000
Application 72% complete3 of 4 stages
Eligibility assessed
Documents verified
Comparing 20+ bank offers
Final approval & disbursement
3.69% p.a.Best matched rate
Mortgages · Advisory
Our lending network

20+ Banking Partners

We work with the UAE's leading banks and lenders to find you the strongest offer in the market.

What we arrange

Mortgage Products for Every Need

From first home to portfolio expansion tailored finance across every stage of your property journey in the UAE.

Most popular

Residential Mortgage

Home loans for first-time buyers, upgraders and investors.

Owning a home has never been more accessible in the UAE. Whether you are purchasing your first home, upgrading to a larger property, or investing in residential real estate, our customised mortgage solutions make the process simple, flexible and efficient.

Process made easy for you

  • First-Time Buyer Friendly: expert guidance at every stage.
  • Flexible Financing Options suited to your plans.
  • Access to Leading Lenders through one contact.
  • Personalised Mortgage Advice for your goals.
  • Time-Saving Process handled on your behalf.
Explore home loans

Commercial Property Finance

Funding for offices, retail, warehouses and mixed-use assets.

Investing in commercial real estate in the UAE presents excellent opportunities for businesses and investors seeking long-term growth, stable income and portfolio diversification, from offices and retail to warehouses and mixed-use developments.

Process made easy for you

  • Flexible solutions for many property types.
  • Competitive loan terms that optimise cash flow.
  • High eligibility for businesses and investors.
  • Expert guidance through to disbursement.
  • Fast, efficient processing.
Learn more

Balance Transfer & Top-Up

Lower your rate and unlock extra funds from your equity.

Transfer your existing mortgage to a more competitive lender for a lower rate, while unlocking additional funds from your property's available equity, reducing borrowing costs and accessing extra cash at the same time.

Process made easy for you

  • Lower interest rates.
  • Reduced monthly instalments.
  • Enhanced loan terms and flexibility.
  • Access to additional funds via equity.
  • Seamless, hassle-free transfer.
Learn more

Equity Release

Unlock your property's value without selling it.

Equity Release enables property owners to unlock the value tied up in their real estate and access additional funds without selling, ideal for business expansion, new investments, debt consolidation or personal goals.

Process made easy for you

  • Access equity without selling.
  • Funds for business or personal needs.
  • Competitive financing terms.
  • Flexible repayment options.
  • Quick assessment and approval.
Learn more

Construction & Plot Financing

Finance to buy land and build across the UAE.

Whether you are planning to build your dream home, develop a commercial project or secure land for future investment, our Plot & Land Financing solutions provide the flexibility and support you need across the UAE.

Process made easy for you

  • Financing for residential & commercial plots.
  • Flexible repayment for your timelines.
  • Fast approval with streamlined documents.
  • Expert support through disbursement.
  • Customised to your development plans.
Learn more

Non-Resident Mortgages

UAE property financing for overseas investors.

The UAE remains a preferred destination for international investors. Our Non-Resident Mortgage solutions help overseas buyers purchase UAE property with confidence, with competitive financing and simplified processes.

Process made easy for you

  • Financing tailored to non-resident buyers.
  • Simplified documentation for applicants abroad.
  • Access to leading UAE banks.
  • Solutions based on your profile.
  • Expert market guidance throughout.
Finance from abroad

Under-Construction / Off-Plan

Finance off-plan homes from leading developers.

Investing in an off-plan or under-construction property can be an excellent way to secure a valuable asset early. We help you finance properties from leading UAE developers and manage staged payment obligations with confidence.

Process made easy for you

  • Financing for off-plan properties.
  • Support for developer payment plans.
  • Flexible eligibility criteria.
  • Guidance from booking to handover.
  • Coordination with developers and banks.
Learn more

Islamic Finance

Shariah-compliant, ethical property finance.

Our Shariah-compliant home finance solutions provide an ethical, transparent and faith-based approach to property ownership, for purchase, refinancing or investment, through trusted Islamic banking partners across the UAE.

Process made easy for you

  • Fully Shariah-compliant structures.
  • Transparent profit-based arrangements.
  • Residential & commercial financing.
  • Trusted Islamic banking partners.
  • Flexible long-term repayment options.
Learn more

Portfolio Consolidation

Combine multiple loans into one simple facility.

Managing multiple property loans can be complex. Our Portfolio Consolidation solutions combine multiple mortgages into a single, streamlined structure, simplifying management, improving cash flow and reducing overall costs.

Process made easy for you

  • Consolidate multiple loans into one.
  • Simplified single repayment.
  • Improved cash flow planning.
  • Potential cost savings.
  • Tailored to your portfolio.
Learn more
The Canary advantage

Why Choose Canary Finance and Mortgages?

One conversation gives you the whole market, not a single bank's shelf.

20+ UAE Lenders Free Consultation Expert Advisory Faster Approvals
How we compare
  • Lender access
  • Rate negotiation
  • Advisory
  • Processing speed
  • Paperwork
  • Solution fit
Canary Finance and MortgagesRecommended
  • 20+ banks & lenders
  • On your behalf
  • Dedicated expert
  • Fast-tracked
  • Fully managed
  • Tailored to you
Direct Bank
  • One bank only
  • Fixed pricing
  • General branch staff
  • Standard queue
  • Largely self-service
  • Standard criteria
Whole-of-market access

One Profile.
Countless Possibilities.

We go beyond rate comparisons. By combining access to the UAE's leading lenders with independent expert advice, we help you secure financing that aligns with your goals. From lender selection and rate negotiation to documentation and approval, we manage the entire journey, delivering a smarter, faster, and more seamless experience.

Pre-approval in as little as 48 hours
Exclusive broker rates not on the high street
One dedicated advisor, start to finish
Speak to an advisor
CANARYturns
5Years

We are an independent mortgage service provider based in Dubai, licensed by the DED & RERA.

Indicative market rates

Today's UAE Mortgage Rates

Representative rates from our lending panel. Your personalised rate depends on profile, property and loan-to-value.

1 Year Fixed
3.75%
3M EIBOR + 1.79%

Short-term certainty, low entry rate.

2 Years Fixed
3.79%
3M EIBOR + 1.79%

A balanced fix with room to move.

5 Years Fixed & Non-Resident
4.49%
3M EIBOR + 1.99%

Lock in for longer, or finance from overseas.

Variable Rate
5.24%
3M EIBOR + Margin

Tracks the market moves with EIBOR.

Indicative only · Updated for illustration · Not a formal offer

Open Mortgage Calculator
Simple & transparent

How It Works

From first conversation to keys in hand four guided steps, fully managed by your advisor.

1

Free Consultation

Share your goals with a dedicated advisor no obligation, no fees.

2

Eligibility Assessment

We assess your profile and confirm exactly how much you can borrow.

3

Compare Bank Offers

We negotiate across 20+ lenders and present the strongest options.

4

Approval & Disbursement

We manage approvals and paperwork right through to disbursement.

By the numbers

A Track Record You Can Trust

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Years banking experience (India & UAE)
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Trusted Relationships
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Satisfied Clients
0
Years in the Business
Client stories

Trusted by Families & Investors

See our reviews on Google
Recognition

Award-Winning Partnerships

Trusted by Clients. Recognised by Peers.

Emirates NBD: Special Recognition Award
Bank of Baroda: Top Performing Broker 2022
Bank of Baroda: Best Business Partner 2023
National Bank of Fujairah: Retail Mortgage Excellence
MEA Markets Awards 2025: Best Mortgage Solutions Provider
Let's talk

Ready To Own Your Dream Home?

Book a free, no-obligation consultation. Our advisors respond within one business day.

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