ABOUT UPSCORE
Expert guidance. Whole-of-market advice. Built for the UAE.
We are an independent UAE mortgage broker, and nothing else. No property sales, no side products. Just one expert team that compares the whole market, explains your options clearly, and stays with you to completion. The bank pays us, so our advice stays on your side.
Our story and mission
Buying a home in the UAE should feel exciting, not exhausting. Yet for most people it means guessing which bank to trust, decoding fine print, and chasing paperwork across 19+ lenders who all say something different.
We started Upscore to fix that. One expert team, built specifically for the UAE market, that compares the whole market, explains things in plain English, and handles the bank back-and-forth so you do not have to.
We do one thing and we do it well: we introduce home-buyers to the right lender. We do not sell property. We do not do conveyancing. We are not a fintech selling you a product on the side. We are mortgage brokers, paid by the lender, working for you.
Our mission is simple. Make the right UAE mortgage easy to find, easy to understand, and free to you, whether you are a resident, a national, or buying from overseas.
Upscore by the numbers
A quick snapshot of how we help UAE buyers.
- Whole-of-market access to 19+ UAE banks and lenders
- Resident, non-resident, national and Islamic finance, all under one roof
- No fee to you. The bank pays us when your mortgage completes
Why independent advice changes everything
A single bank can only offer you its own products. We are not tied to anyone. We compare offers across 19+ UAE lenders, including Emirates NBD, Mashreq, ADCB, Dubai Islamic Bank, Abu Dhabi Islamic Bank, HSBC, Standard Chartered, Commercial Bank of Dubai and RAKBANK, and bring you the deals that genuinely fit your profile.
Here is the part that matters most. You pay us nothing. The lender pays us a fee only when your mortgage completes, and that fee does not change based on which bank you choose. So we have no reason to push you anywhere except towards the right rate and terms for you.
That independence is the whole point. It is what lets us tell you honestly when to fix, when to go variable, when an Islamic product fits better, and when to walk away from an offer that is not worth it.
- Whole-of-market, not a single bank's shelf
- No fee to you, ever, for our advice and brokerage
- Lender fee is the same whichever bank you pick, so our advice stays neutral
- Plain-English guidance, never a hard sell
Regulated, licensed and accountable
Upscore Mortgage Broker L.L.C is registered with the Real Estate Regulatory Agency (RERA), part of the Dubai Land Department, as a Real Estate Mortgage Broker. We are transparent about how we are paid, what we can and cannot do, and where your data goes.
- Trade licence: 1546721
- RERA registration: 55794
- Data handling aligned with UAE data protection requirements; see our Privacy Policy
- We introduce buyers to lenders only. We do not provide property sales, conveyancing or financial products
- Standard third-party costs (bank, valuation and DLD fees) are separate and always disclosed up front
The lenders we work with
Whole-of-market access means we compare 19+ UAE banks to find the lender that fits you, not the other way round. Our partner set includes leading conventional and Islamic lenders, so we can line up both and show you the real difference.
- Emirates NBD
- Mashreq
- ADCB
- Dubai Islamic Bank
- Abu Dhabi Islamic Bank
- HSBC
- Standard Chartered
- Commercial Bank of Dubai
- RAKBANK
Work with us
We are building the most trusted mortgage team in the UAE, and we are always interested in advisors and support people who put clients first. If you know the UAE market and believe advice should be honest and free to the buyer, we would like to hear from you.
Tell us a little about yourself and we will be in touch when the right role opens.
- Mortgage advisors across resident, non-resident and Islamic finance
- Client support and case-management specialists
- Marketing and operations roles as we grow
FAQ
Questions, answered
Is Upscore really free for me to use?
Yes. Our advice and brokerage are free to you. We are paid by the lender only when your mortgage completes, and that fee is the same whichever bank you choose, so our advice stays neutral. You will still pay standard third-party costs such as bank, valuation and DLD fees, and we always disclose those up front.
Are you tied to any particular bank?
No. We are independent and whole-of-market, comparing 19+ UAE lenders. We are not owned by a bank and we do not earn more for steering you to one lender over another. Our only job is finding the mortgage that is right for you.
What exactly does Upscore do?
We are mortgage brokers. We introduce home-buyers to the right lender and manage the mortgage from first question to final keys. We do not sell property, we do not do conveyancing, and we do not sell other financial products. Mortgages are all we do.
Are you regulated in the UAE?
Yes. Upscore Mortgage Broker L.L.C is registered with RERA as a Real Estate Mortgage Broker under registration number 55794 and trade licence number 1546721. We are transparent about how we are paid and how we handle your data.
Do you help non-residents and overseas buyers?
Yes. We arrange non-resident mortgages for buyers purchasing in Dubai and Abu Dhabi from abroad, often with low-documentation options, and most of the process can be completed remotely.
Talk to a real advisor who knows the UAE
Check your eligibility in about 2 minutes, or book a free consultation. No fees to you, no obligation, no impact on your credit score.