Transforming Visions into Reality
Transforming Visions into Reality
Our Services
- Mortgage Facilitation Without Credit Report ChecksWe make property ownership in Dubai accessible by offering mortgage services that don’t require a credit report check. Our focus is on securing financing tailored to your needs, making the process seamless.
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Exit Strategy Planning
From the moment you invest, we help you plan your exit strategies. Whether you aim to rent, hold, or sell your property, we ensure you’re always in a position to make the most profitable decision. -
Property Selection for High ROI
Our team identifies top-performing properties with the potential for high returns. Whether you’re interested in off-plan developments or ready-to-rent units, we have the perfect options for you. -
Data-Driven Decisions
We leverage the latest market data and analytics to guide your investment decisions. This ensures your portfolio is built on facts, not speculation. -
Tax Benefits and Cost Savings
Dubai offers substantial tax advantages, including no income tax and no capital gains tax. This allows you to maximize your profits and reduce costs. -
Diversified Portfolio
We help you create a balanced investment portfolio by mixing high-growth properties with stable, income-generating assets. -
Rental Yield Optimization
Maximize your rental income with our property management services. We turn your property into a short-term rental or hotel apartment, ensuring higher returns compared to traditional rental models. -
Off-Plan Investments
Investing in off-plan properties offers unique advantages like lower prices and high capital appreciation. We work with Dubai’s top developers to provide you with the best options. -
Identifying High-Growth Markets
Our team continuously monitors Dubai’s real estate market to identify areas with the highest growth potential, ensuring your investments yield maximum returns.
Property Management
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Short-Term Rentals
Turn your property into a holiday home or hotel apartment and enjoy higher rental yields. Our team handles everything from marketing to guest management, ensuring a steady stream of income. -
Property Flipping
Looking for faster returns? We specialize in flipping properties for capital appreciation. With our strategies, you can achieve a 30% to 45% increase in value within three years. -
Long-Term Rent
At Arctic Gulf Investment, we offer exceptional long-term rental opportunities in Dubai’s most sought-after locations. Whether you’re looking for a family home, an upscale apartment, or a secure investment property, we provide options that guarantee comfort, quality, and convenience.
Helping you find the right mortgage
Your home-buying journey should be smooth and stress-free. Speak to our in-house mortgage team today and let them find you the best available rates in the UAE.
Frequently Asked Questions
How much is my borrowing limit?
As a general rule of thumb, the limit is calculated at 7x the annual salary of the applicant but it also depends on the bank. If the customer already has loans, credit cards and existing liabilities, then this ultimately affects the maximum amount they can borrow.
What are the rates I should expect in the UAE?
Rates differ greatly between bank to bank and will all depend on the customer's individual profiling and whether they're salaried or self-employed.
Can non-residents avail financing in the UAE?
Yes subject to individual client profiling as always. Maximum loan-to-value available for non-residents would be 60% funding with rates at this level starting from 3.89% for a 3-year fixed rate.
What is the minimum deposit?
TFor expat residents (first-time buyer): 20% For UAE nationals (first-time buyer): 15% For expat residents (second-time buyer): 40% For UAE nationals (second-time buyer): 35% There are exceptions to the rules though, some of the banks allow 2nd-time buyers, 20% and 15% deposits for expats and locals, respectively, if their existing mortgage is under 60% LTV.
What kind of documentation is required?
For salaried applicants: ID documents, salary certificate, 6 months' payslips, 6 months' bank statements and details of existing liabilities. For self-employed: ID documents, company documents (trade licence, incorporation documents, memorandum of association, shareholders certificate, company profile, etc), audited accounts and/or 12 months business bank statements, 6 months' personal bank statements and details of existing liabilities.
How long will it take to get a pre-approval?
This varies from bank to bank but normally banks will reply with initial observations and requests within 2 working days. Once additional documents have been provided, or additional questions have been addressed, the turnaround time to receive a pre-approval is usually between 5-7 working days.
Calculate your mortgage repayments
Our Mortgage Bank Partners
Partnering with Dubai’s Leading Developers
Get Started Today
Ready to start your journey to financial freedom? Partner with Arctic Gulf Investment and take advantage of Dubai’s booming real estate market.
Irvine Business Center
Tel: +1 310 683 0046
Email: anvar@arcticgulf.com
7505-7595 Irvine Center Drive Irvine, CA USA 92618
API TRIO
Tel: +971 54 221 7333
Email: anvar@arcticgulf.com
3301 Al Barsha 1 Dubai UAE 000
