The typical UAE mortgage process:

• Step 1 Consultation & eligibility check with your mortgage broker

• Step 2 Document submission and pre-approval from the bank (5–10 working days)

• Step 3 Property search, price negotiation, and MOU (Form F) signing

• Step 4 Bank property valuation (3–5 working days)

• Step 5 Final approval and offer letter issued by the bank

• Step 6 Transfer appointment at the DLD Trustee Office: mortgage registration, payment of fees, and title deed issued.