Home Purchase Mortgages
Financing for UAE residents and nationals buying an off-plan, under-construction or ready property.
UAE Mortgage & Property Finance Brokerage
Property financing, engineered like a legacy.
Elite Legacy Financing Broker LLC negotiates directly with the UAE's leading banks on your behalf, so you secure a mortgage that fits your income, your timeline, and your long-term wealth plan — not just the first offer you're given.
"Expertise Today. Wealth Tomorrow. Legacy Forever."
What We Arrange
Financing solutions for every stage of property ownership
Whether you're buying your first home, releasing equity, or expanding a portfolio, we structure the right facility with the right lender — and manage the process end to end.
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Mortgage Refinancing
Move your existing loan to a lower rate, shorten your tenure, or switch rate structures.
Buyout & Equity Release
Consolidate your current mortgage into better terms while unlocking equity in your property.
Non-Resident Financing
Purpose-built mortgage structures for overseas investors purchasing property in the UAE.
Commercial Property Finance
Facilities for offices, retail units and income-generating assets.
Mortgage Life Protection
Life and property insurance built into your repayment plan.
How It Works
From first call to keys in hand, in five clear steps
We remove the back-and-forth of dealing with multiple banks directly. One advisor, one file, every offer compared side by side.
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01
Free Consultation
We review your income, obligations and property goals to understand what you can realistically finance.
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02
Document & Eligibility Check
Your profile is assessed against the live criteria of our partner banks.
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03
Bank Matching & Negotiation
We shortlist the strongest offers and negotiate terms directly with each lender.
Why Elite Legacy
An independent broker, working only for you
Unlike a bank's own mortgage desk, we don't represent one lender — we represent you. Every application is benchmarked across our full panel of banks, so the recommendation you receive genuinely suits your finances.
- A dedicated relationship manager from application to settlement
- Access to preferential rates negotiated across our banking panel
- Full transparency on fees — no hidden charges, ever
Client Experiences
Trusted by homeowners and investors across the UAE
"Elite Legacy compared five different banks for us and negotiated a rate almost a full point below what our own bank first offered. The whole process, from first call to keys, took under six weeks."
"As a non-resident buyer, I assumed financing would be impossible. Our advisor found a lender panel built exactly for our situation and kept us updated at every stage."
"We used Elite Legacy to refinance an existing mortgage and release equity for a second property. Clear numbers, no pressure, and they still check in a year later."
Common Questions
Frequently asked questions
UAE Central Bank mortgage caps generally require UAE nationals to put down at least 15–20% and expatriates 20–25% of the property value, depending on whether it is your first property and its value. Your advisor will confirm the exact figure for your profile.
Yes. Several of our partner banks offer dedicated non-resident mortgage programs, typically with a higher down payment and additional income documentation. We match you to the lenders most likely to approve your specific case.
Our advisory service is free at the point of application in most cases, as we are compensated by the lending bank once your mortgage is approved and disbursed. Any exceptions are disclosed to you in writing before you proceed.
Most UAE mortgages allow partial or full early settlement, sometimes subject to an early-settlement fee capped by regulation. Use the lump-sum option in our mortgage calculator to see how an extra repayment changes your schedule.
About Us
Meet our Team
The people behind Elite Legacy — and what drives them.
At Elite Legacy, our vision extends far beyond financing. We believe every ambition deserves the right foundation, every opportunity deserves thoughtful guidance, and every success should contribute to something greater — a legacy.
We are building a business founded on trust, expertise and enduring relationships; one that connects people with opportunities, simplifies complex financial decisions, and supports our clients through every important milestone of their journey.
Because for us, it is never simply about securing a mortgage or completing a transaction. It is about enabling possibilities, creating value, and helping our clients build a future that lasts.
Rukhshanda Naz
Co-Founder
“True legacy is built by turning ambition into opportunity, and opportunity into lasting value. At Elite Legacy, we believe every financial decision should be a step toward something greater.”
Bilal Asif
Co-Founder
“Every client is trusting us with one of the biggest decisions of their life. Our job is to make that decision clear, confident and rewarding — negotiating harder, explaining better, and staying with them long after the keys are handed over.”
Asad Ali Ghaffar
Head of Sales & Marketing
“The right mortgage isn't the one with the loudest headline rate — it's the one built around your life. We listen first, compare every option in the market, and make sure our clients always know exactly where they stand.”
Get Started
Tell us about your property plans
Share a few details and a dedicated advisor will call you back — usually within one business day — to walk through your options.
Contact Us