Start your journey to homeownership with confidence. Rynix finds the financing that fits your home and your budget, and guides you from the first budget check to the day you collect your keys.
Mortgage solutions
Our mortgage consultants guide you through every step, so the process feels clear and stress-free from start to finish. Because Rynix also sells homes across Dubai, your finance and your purchase are planned together, not in separate silos.
First-time buyer or seasoned investor, we listen to what you need first and then shape the solution around it, with honest advice on every option.
You get more than mortgage assistance. We help you compare financing options, secure your pre-approval letter and handle the legal and documentation requirements, so you can make every decision with confidence.
Speak to a mortgage advisorApartments, townhouses and villas, ready or nearing handover.
Your file prepared and submitted so you can make offers with confidence.
Life and property cover compared, not just accepted as bundled.
MOU, NOCs, valuation and transfer paperwork handled for you.
Clear budgets, upfront costs explained and a simple path to your first set of keys.
Move from apartment to villa, or bridge between selling one home and buying the next.
Structures that protect your cash flow and leave room for the next purchase.
Combine incomes with a spouse or family member to reach the home you want.
Move the sliders to match the home you have in mind. The rate is illustrative, and we confirm live offers from partner banks.
Criteria vary between lenders. We check your profile against each bank before you apply.
We review your income, commitments and target home to set a realistic budget.
Offers from partner banks compared on rate, fees and flexibility.
Your file packaged and pre-approved, usually valid for 60 to 90 days.
The bank values the home and issues a final offer. We check every clause.
Bank, buyer and seller meet at the Trustee office and the deed is yours.
Lenders look at your income, credit history, employment status and existing debts, together with the property value and the down payment you can make. We check all of these against each bank's policy before you apply.
Expatriate buyers can finance up to 80% of a first home up to AED 5 million, and 70% above that. UAE nationals can go to 85%. Your total monthly debt repayments also cannot exceed 50% of income, which sets the final limit.
Yes. Budget roughly 6 to 7% of the price: the 4% DLD transfer fee, 0.25% mortgage registration plus admin fees, a valuation fee of about AED 2,500 to 3,500, a bank arrangement fee of up to 1% of the loan, insurance, and agency commission.
Anything from a few days to a few weeks. Pre-approval usually takes 3 to 7 working days once your documents are complete, and most purchases complete 3 to 6 weeks after the price is agreed.
Yes. UAE Central Bank rules cap early settlement fees at 1% of the outstanding balance or AED 10,000, whichever is lower. Many banks also allow yearly partial prepayments without penalty.
Tell us a little about your plans and our team will get back to you.
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