Clear advice, thoughtful guidance, and support you can rely on. Because the right decisions start with the right partner
Why Choose Crelco?
The 8 Steps of Mortgage
Other Fees ⌄
The 8 Steps of Mortgages
Personalized Support
Get dedicated support from your own advisor who guides you every step of the way
Unbiased Expert Advice
We offer independent, unbiased mortgage advice tailored to your unique needs, not tied to any bank’s interests
Trusted and Proven Results
Join 950+ UAE residents who have successfully secured their ideal mortgage with our agents.
What you'll Achieve
By working with us, you gain clarity, confidence, and control throughout your property journey. Our structured, bank-led approach removes uncertainty, saves time, and ensures you make well-informed decisions from the very first step through to completion.
What You’ll Achieve:
Clear Eligibility & Borrowing Power – A precise understanding of what you can comfortably afford.
Access to the Best Available Rates – Options sourced and compared across leading banks.
Faster, Smoother Approvals – Reduced delays through proper documentation and expert coordination.
Stronger Negotiating Position – Confidence when making offers for the property, backed by verified pre-approvals.
Property Search Assistance – IF you prefer, Support in finding suitable properties through one of our trusted partner real estate agencies.
Lower Risk & Fewer Surprises – Early review of agreements, valuations, and key terms.
End-to-End Peace of Mind – A fully managed journey from consultation until the keys are in your hands.
Complete Review of how to get you approved.
Free and 24 Hour Preapprovals.
Complete confidentiality
End To End Service
Our Services
We offer a bespoke, end-to-end mortgage and property advisory service, built on transparency, expertise, and your best interests. From your first consultation to final approval, we work closely with leading banks to secure the most suitable options, while carefully guiding you through every document and decision with clarity and confidence.
Comprehensive Free Consultation – A detailed assessment of your profile, eligibility, and goals.
Objective Bank Comparison – Identifying and negotiating the most suitable options across leading banks.
Free Pre-Approval Support – Helping you secure pre-approval to move forward with confidence.
Professional Valuation Assistance – Coordinating and advising on property valuations to avoid delays.
Complimentary MOU / Form F Review – Reviewing key terms to protect your interests before commitment.
End-to-End Advisory & Support – Managing the process from start to finish, ensuring a smooth experience.
Mortgage Types
Ready Property
A ready property mortgage is financing used to purchase a property that is already completed and available for immediate occupancy. Unlike off-plan properties, the loan is processed based on the current market value of the unit, with funds released directly to the seller upon transfer.
Refinance/Buyout
Refinancing/buyout means replacing your current mortgage with a new one, often to secure a better interest rate or to switch banks. This strategy is most often used when your fixed period is coming to an end and you’re about to switch to a variable rate.
Equity Release
Equity release allows you to unlock the value built up in your property by borrowing against it. This can be used for cash needs such as additional property investments or to renovate your current property while you continue to own the property.
Handover
Handover finance is a mortgage arranged for a property that is nearing completion or ready to be handed over by the developer. It helps buyers transition from paying installments during construction to a full mortgage once the property is delivered.
FAQ's
What Documents are required to apply for a mortgage?
Common documents include passport, visa, Emirates ID (if resident), salary certificate, bank statements, Exact requirements may vary by bank.
How long does the mortgage approval process take?
The process typically takes 3-6 weeks, depending on the bank, documentation completeness, and property finalization.
Are you tied to any specific banks?
We, at Crelco work with all the major banks within UAE. We are independent so we only propose options which would benefit our clients based on their profile and requirements.
Do I need to be a resident of UAE to apply for a mortgage?
No. You don’t have to be a resident of UAE to apply for a mortgage, Non-Resident mortgages are a norm.