The questions everyone asks.

Baraqa doesn't charge advisory fees. Our remuneration comes on completion, through the licensed brokerage platforms that process applications — and it doesn't change your rate. Third-party costs (bank, valuation, government fees) still apply as normal, and we itemize them for you before you commit. No surprises, ever.

Your bank can only show you its own shelf. In today's matrix the gap between the sharpest and the most expensive comparable offer is over 1% — on AED 1.5M, that's roughly AED 850 a month. We put 17+ banks in competition for you, and we know each credit team's unwritten preferences.

Up to the point where your total monthly debts reach 50% of income, at a maximum 80% of the property value (85% for UAE nationals, first home under AED 5M). Our borrowing power calculator gives you a number in 30 seconds; a pre-approval makes it official.

Pre-approval on a clean salaried file: typically 2–4 working days. Full approval to transfer: usually 3–4 weeks. Self-employed and non-resident files run a bit longer — we'll give you an honest timeline on day one.

AED 10,000/month opens the market's most competitive banks. A handful of lenders consider lower with strong profiles. Self-employed income counts too — it's assessed differently, not excluded.

Yes. A focused set of banks lends to non-residents at up to 60–65% LTV, entirely remotely. No UAE visa required.

Ninety percent of our clients fix for 3 years — but the right answer depends on the reversion margin, not the headline. We'll show you total cost over your realistic holding period, both ways.

In Dubai, budget roughly 6–7% on top of your deposit: 4% DLD transfer, ~2% agency, 0.25% mortgage registration, plus valuation and trustee fees. Some banks finance part of these costs.

One AECB check per application. Applying scattershot to five banks yourself is what leaves marks. Through Baraqa, we target the right bank first — usually one check, one approval.

Extensively. Several of the sharpest rates in today's market are at Islamic banks, and we place both structures daily. We'll explain Murabaha vs. Ijara in plain language and let the numbers speak.