Smart mortgage guidance, built for the UAE
Your home loan, sorted by experts who know the UAE.
Compare offers from 19+ UAE banks, see what you can borrow in minutes, and let a dedicated advisor handle the paperwork all the way to your keys. No fees to you.
We work with the UAE's leading lenders, giving you whole-of-market access to 19+ banks
+ more lenders
A representative selection of the UAE lenders we compare.
Why Upscore
A better way to get a mortgage in the UAE
Whole of market, on your side
We compare 19+ UAE banks to find your best rate and terms. Independent advice, not a single bank's products.
No fee to you
Our advice and brokerage are free for you. We're paid by the lender only when your mortgage completes. No surprises.
Offers in days, not months
With direct bank relationships and a digital application, we move fast, with pre-approval in as little as a few days.
A real advisor, end to end
One dedicated, UAE-based expert guides you from first question to final keys, whether you're a resident, non-resident or national.
How it works
From first question to front door, in five steps
Check your eligibility
Answer a few questions in about 2 minutes. See which banks are likely to lend to you and roughly how much, with no impact on your credit score.
Compare the whole market
Your dedicated advisor compares 19+ UAE lenders and brings you the offers that genuinely fit you, conventional or Islamic, fixed or variable.
Get pre-approved
We package your income, deposit and documents the way each bank wants to see them, then secure your pre-approval so you can offer with confidence.
We handle the bank
We submit the full application, manage the valuation and deal with the lender's back-and-forth for you, keeping you updated in plain English.
Get the keys
From the final offer letter to the DLD transfer, we manage every step to completion, then stay on hand for any future rate review.
Broker vs bank
Why a broker beats going straight to your bank
Your own bank can only ever offer you its own products, and it rarely tells you when a competitor would lend you more, or charge you less. A whole-of-market broker is the opposite. We compare 19+ UAE lenders, and because the bank pays us on completion, our advice costs you nothing.
Going direct also means you do the chasing, bank by bank. With Upscore, one advisor does that across every lender at once, so you get a clearer answer, faster.
Check your eligibility
See which UAE banks can lend to you in about 2 minutes
- Which lenders are likely to approve you
- Your estimated borrowing range
- Indicative rates for your profile
- A dedicated advisor to take it from here
Who we help
Whatever your situation, there's a path to your mortgage
ResidentsUAE residents
Buying your first or next home as an expat or national. We handle salaried and self-employed applications, conventional and Islamic.
Learn more
OverseasNon-residents & overseas buyers
Investing in Dubai or Abu Dhabi from abroad? We arrange low-documentation, non-resident mortgages, mostly handled remotely.
Learn more
RefinanceRefinance & equity release
Paying too much? Switch to a better rate, or release equity from a property you already own.
Learn more
CommercialCommercial & investment
Buy-to-let, commercial property and portfolio finance, structured around your goals.
Learn moreWhy we exist
Mortgage guidance that's actually on your side
Buying a home in the UAE shouldn't mean guessing which bank to trust or drowning in paperwork. We started Upscore to give residents, nationals and overseas buyers one expert team that compares the whole market, speaks plainly, and stays with you to completion.
We're independent and paid by the lender, not by you, so our only job is finding the mortgage that's right for your life.
19+
UAE lenders compared
0
fees charged to you
2 min
to check your eligibility
Days
to pre-approval, not months
Guides
Know before you borrow
Buying property in the UAE comes with rules that catch people out. We write plain-English guides so you walk into your mortgage informed rather than hopeful.
How much deposit do you really need?
Residents typically from 20% (indicative); non-residents usually more. We break down what each lender expects.
Read moreThe true upfront cost of buying
Deposit, bank arrangement, valuation and DLD fees, explained so there are no surprises at completion.
Read moreSelf-employed or non-resident income
How UAE banks assess your income, and exactly what to prepare to give yourself the best shot.
Read moreFAQ
Mortgage questions, answered
Who can get a mortgage in the UAE?
UAE nationals, resident expats and non-residents can all get mortgages - the rate, loan-to-value and documents differ by status. We'll tell you exactly where you stand.
How much deposit do I need?
For residents, typically from 20% of the property price; non-residents usually need more. Your eligibility check gives you a personalised figure.
Do you charge any fees?
No fees to you for our advice and brokerage - we're paid by the lender when your mortgage completes. You'll still pay standard third-party costs (e.g. bank, valuation and DLD fees).
How long does it take?
Pre-approval can take as little as a few days; a full mortgage offer typically follows within a few weeks, depending on the bank and your documents.
Can I get an Islamic (Sharia-compliant) mortgage?
Yes. We work with banks offering both conventional and Islamic home finance and will compare both for you.
Will checking my eligibility affect my credit score?
No. The eligibility check is an indicative assessment against lender criteria - it doesn't run a hard credit check.
Can I get a mortgage as a non-resident?
Yes - we arrange non-resident mortgages for overseas buyers, often with low-documentation options. Most of the process can be completed remotely.
Ready to find your best UAE mortgage?
Check your eligibility in about 2 minutes. It's free, with no obligation and no impact on your credit score.