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Monday 10:00 - 18:00 Tuesday 10:00 - 18:00 Wednesday 10:00 - 18:00 Thursday 10:00 - 18:00 Friday 10:00 - 18:00

Phillips & Walls Mortgage Brokers LLC

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Phillips & Walls Mortgage Brokers LLC

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Giving Mortgage advice and top customer service through the home buying journey in Dubai and the uk.

01/11/2026

From offer to completion in under a month.

Nick Tolley bought a townhouse on Saadiyat Island, and Jo handled the
financing from the initial offer through to completion.

Thinking about buying? Start your mortgage with us on WhatsApp: +971 58
511 2178.

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31/10/2026

Is your fixed rate ending? You can move your mortgage to a lower rate.

When the fixed period ends, your rate moves to the bank's variable rate. A
new bank can buy out your existing loan, and the early settlement fee is
capped at 1% of the outstanding loan or AED 10,000, whichever is lower.

You can also release equity at the same time.
WhatsApp us your current rate and fixed-term end date on +971 58 511 2178
for a free rate review.

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30/10/2026

Rent or buy in Dubai? Start with the monthly numbers.

On an AED 1.5M apartment with a 20% deposit, an AED 1.2M loan at 4.25%
over 25 years costs around AED 6,500 a month. Rent of AED 110,000 a year
works out at around AED 9,170 a month.

Owners also pay service charges and upfront fees of 7 to 8%, so factor
those in.

Send us your current rent on WhatsApp at +971 58 511 2178 and we'll run
the comparison for you.

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29/10/2026

Handing over soon? Have these documents ready for your mortgage: your
SPA, Oqood registration, developer statement of account and payment
receipts, handover notice, passport, visa and Emirates ID, salary certificate
and 6 months of bank statements.

Your final payment falls due at handover, and the bank values the property
before it releases funds. Start your mortgage 2 to 3 months before your
handover date.

Comment CHECKLIST or WhatsApp us on +971 58 511 2178.

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28/10/2026

Buying property in Dubai costs more than the deposit. Budget around 7 to
8% of the price for fees.

DLD transfer fee: 4% plus admin fee. Agency fee: 2% plus VAT. Mortgage
registration: 0.25% of the loan plus AED 290. Bank arrangement fee: up to
1% of the loan. Valuation and trustee fees on top.

On an AED 1.5M apartment with a 20% deposit, the total cash needed
comes to around AED 414,000.

WhatsApp us the price of the property you're considering on +971 58 511
2178 for a full cost breakdown.

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27/10/2026

How much can you borrow for a mortgage in Dubai? Three rules decide it.

1. Your total monthly debt repayments cannot go above 50% of your salary.
2. Expats buying a first home up to AED 5M can borrow up to 80% of the
price.
3. The maximum term is 25 years, ending by age 65 if salaried or 70 if
self-employed.

Credit cards count too: banks count 5% of each card's limit as a monthly
debt, even with a zero balance.

Send us your salary and existing debts on WhatsApp at +971 58 511 2178 for
your borrowing estimate.

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25/10/2026

How much deposit do you need to buy property in Dubai?

Expats buying a first home up to AED 5M need 20%, and 30% above AED
5M. UAE nationals need 15% or 25%. Expats buying a second property need
40%.

Budget around 7 to 8% on top for fees, and make sure your deposit comes
from your own funds. Never take a bank loan for it.

WhatsApp us your budget on +971 58 511 2178 and we'll work out your
deposit and fees.

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23/10/2026

Which bank offers the best mortgage rate in Dubai? It depends on your
profile, not the bank.

A low headline rate can come with higher fees, a short fixed period, a salary
transfer requirement or costly early settlement terms. Compare all four
before you choose.

We compare 20+ banks and lenders for every client. Book a free
consultation on WhatsApp: +971 58 511 2178.

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22/10/2026

Most UAE banks have raised their mortgage rates since the UAE Central
Bank lifted its Base Rate to 3.90% in September. A few banks still offer their
earlier rates.

On an AED 1.5M loan over 25 years, a 0.25% rise adds around AED 210 a
month. Pre-approval now gets you assessed while those lower rates are still
available.

Message us on WhatsApp at +971 58 511 2178 and we'll tell you which banks
they are.

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28/09/2026

Start the process today and be 1 step closer to owning your own property.

Address

Kojak Building, Office 126, Motor City
Dubai

Opening Hours

Monday	10:00 - 18:00
Tuesday	10:00 - 18:00
Wednesday	10:00 - 18:00
Thursday	10:00 - 18:00
Friday	10:00 - 18:00

Telephone

+971585112178

Website

http://pwmb.ae/

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