Table of Contents
Frequently Asked Questions
What does a real estate mortgage broker do in the UAE?
A: A mortgage broker intermediates between property buyers and lenders, processing applications, comparing rates across banks, supporting documentation, and earning brokerage commissions on completed mortgage transactions under RERA licensing.
Does real estate mortgage brokerage require RERA approval?
A: Yes. Real estate mortgage brokerage requires pre-establishment approval from the Real Estate Regulatory Agency before the business license is issued, with brokers required to hold RERA-approved certifications.
Can mortgage brokerage be combined with other activities?
A: This activity can only be combined with other Group 1 RERA business activities under the Real Estate Regulatory Agency brokerage framework, limiting cross-sector bundling at license level.
What is the difference between mortgage consultancy and brokerage?
A: Mortgage consultancy provides advisory services on mortgage selection. Mortgage brokerage intermediates transactions between buyers and lenders, earning commissions on completed mortgages, under different RERA regulatory frameworks.
What mortgage products do UAE brokers handle?
A: Conventional fixed and variable rate mortgages, Islamic ijara and murabaha mortgages, refinancing, buy-to-let investor mortgages, multi-property portfolio mortgages, and corporate property finance brokerage.
How to Start a Real Estate Mortgage Broker Business with Meydan Free Zone
UAE real estate mortgage brokers intermediate between property buyers and mortgage lenders, processing mortgage applications, comparing rates across banks, supporting documentation and verification, and earning brokerage commissions on completed mortgage transactions.
According to Dubai Land Department / RERA1, Dubai real estate transaction values set continuous records, with mortgage transactions forming a significant share of total transaction volume. UAE Central Bank Mortgage Regulations and RERA brokerage frameworks structure the activity. Statista2 projects UAE Financial Advisory at USD 186.73 billion in 2025. A broker in this activity intermediates real estate mortgage transactions between UAE property buyers and conventional or Islamic mortgage lenders.
[blockCTABizActivityList]
Between the buyer's offer letter and the bank's approval sits a broker who knows every rate, every lender, and every condition.
Sources: Dubai Land Department / RERA (2025); Statista (2025)
For a real estate mortgage broker setting up in this activity, three dynamics define the UAE opportunity. Start with market activity. Dubai Land Department/RERA1 data shows record-breaking transaction values, with mortgages forming a substantial share. The market spans conventional lenders like Emirates NBD, HSBC, and Mashreq, alongside Islamic banks including DIB, ADIB, and Emirates Islamic.
Regulation defines positioning. Brokers need RERA pre-licensing and approved certification, and must comply with UAE Central Bank rules setting down payments at 20% for residents on first properties up to AED 5M and 30% for non-residents. One key constraint: under RERA's framework, this activity can only be combined with other Group 1 RERA activities. Service segments are broad, covering first-time buyers, multi-property investors, refinancing, Islamic mortgages, and corporate property finance. With Statista2 projecting UAE Financial Advisory at USD 213.10 billion by 2030, well-networked brokers have strong growth potential.
Whether you are brokering UAE first-time buyer mortgages with rate comparison and application processing, intermediating investor mortgages across multi-property portfolios, or brokering Islamic and refinancing mortgages under RERA framework, this activity covers the real estate mortgage brokerage layer.
[blockCTAFawri]
Who is this for?
- First-time buyer mortgage brokers: RERA-licensed brokers intermediating UAE first-time property buyer mortgages with rate comparison across conventional and Islamic banks, application processing, and documentation support.
- Investor and multi-property mortgage brokers: RERA-licensed brokers supporting UAE and international property investors with multi-property mortgage intermediation, refinancing brokerage, and buy-to-let mortgage processing.
- Islamic mortgage and refinancing brokers: RERA-licensed brokers intermediating Sharia-compliant Islamic mortgages (ijara, murabaha), refinancing transactions across conventional and Islamic banks, and corporate property finance brokerage.
Meydan Free Zone offers 100% foreign ownership, zero corporate tax on qualifying income, and a fully digital licensing process, positioning real estate mortgage brokers at the centre of a market where Dubai property market scale, expatriate buyer demand, Islamic mortgage depth, and RERA-supervised brokerage frameworks generate sustained transaction volume across primary and secondary mortgage segments.
[blockCTATradeLicense]
6619.96: Real Estate Mortgage Broker
Under this activity, you are licensed to operate as a real estate mortgage broker (intermediating UAE first-time buyer mortgages, brokering investor mortgages across multi-property portfolios, or processing Islamic and refinancing mortgages under RERA framework).
However, this activity has defined boundaries. It excludes the activities of insurance agents and brokers (which falls under activities auxiliary to insurance and pension funding), and the management of investment funds (which falls under fund management activities).
Simply put: if you operate as a RERA-licensed real estate mortgage broker intermediating UAE property finance transactions, you are in.
Licensing & Compliance
Third-Party Approval: This business activity requires pre-establishment approval from the Real Estate Regulatory Agency (RERA). The applicant must obtain the relevant real estate brokerage authorisations from RERA before the business license can be issued. Please note: this activity can only be combined with other Group 1 RERA business activities.
Anti-Money Laundering Compliance: This business activity is exempt from AML compliance requirements.
[blockCTABizSetupRemotely]
Citations
¹ Dubai Land Department / Real Estate Regulatory Agency (RERA). Real Estate Brokerage Framework and Transaction Volumes. Dubai Land Department, 2025.
² Statista. Financial Advisory - United Arab Emirates. Statista, 2025.
