Paarhk Mortgages

Get your mortgage,
made simple.

Compare 20+ UAE banks, get pre-approved fast, and complete your whole application online — with one expert by your side.

Start your application Talk to an expert

Try our calculators

Get an instant estimate in seconds.

How much can I borrow?Eligibility calculator → How much will it cost?Monthly payment calculator →

20+Partner banks

8000+Home buyers helped

2 weeksTypical approval

20+ yrsBanking experience

Plan with confidence

Free mortgage calculators

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Mortgage Calculator

See your monthly payment, total interest and loan amount based on property price, down payment, rate and term.

Calculate cost → ✓

Eligibility Calculator

Find out how much you can borrow and the maximum property price you can afford, based on your income.

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What we finance

Mortgage solutions for every buyer

Resident Mortgages

For UAE residents buying their home — up to 80% financing.

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Non-resident Mortgages

Buy property in the UAE from overseas with tailored options.

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Equity Release / Buyout

Refinance or release equity from your existing property.

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Commercial Finance

Financing for offices, retail and commercial property.

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How it works

Your mortgage in four steps

Speak to an expert

A quick call to understand your goals and budget.

Get pre-approved

We compare 20+ banks and secure your best rate.

Upload documents

Submit everything online — we package it for the bank.

Keys in hand

Final approval, valuation and handover — done in weeks.

We make the banks work for you

20+ lending partners

ENBDFABADCBMashreqHSBCRAKBANKDIBADIBCBDStandard Chartered

Why Paarhk

Smarter mortgages, less hassle

Best rates, 20+ banks

We make the banks compete so you don't overpay.

Fast approvals

Why wait 2 months? Get a mortgage in as little as 2 weeks.

End-to-end support

One expert with you from first call to final handover.

FAQ

Questions, answered

Who is eligible for a mortgage in the UAE?

Both UAE residents and non-residents can qualify. Residents typically need a stable income and a minimum down payment of 20% (15% for UAE nationals); non-residents usually need a larger down payment.

How much down payment do I need?

For a first property under AED 5M, expat residents need at least 20%, UAE nationals 15%. Non-residents typically need 25–40% depending on the bank.

How long does approval take?

With Paarhk and our bank partnerships, pre-approval can be issued in days and full approval in as little as two weeks.

Which documents will I need?

Usually your Emirates ID, passport & visa, salary certificate, 6 months of bank statements and recent pay slips. You can upload them all on our website.

Can I get a mortgage for an off-plan property?

Yes — several of our partner banks finance off-plan purchases from approved developers. Terms vary by project.

Is Paarhk's service free?

Our advisory is designed to save you money and time. Speak to an expert for a clear breakdown of any fees before you commit.

Ready to start your mortgage?

Apply online in minutes — we'll handle the banks.

Start your application

Get your mortgage,made simple.