The full mortgage process in the UAE

— from initial consultation to property transfer and disbursement

— typically takes 4 to 6 weeks.

The main stages and approximate timelines are:

• Pre-approval: 7–14 working days

• Property valuation: 3–5 working days

• Final approval and offer letter: 3–5 working days

• DLD transfer appointment: 1 day (requires advance scheduling)