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Our Trusted Partners

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What We Offer

Comprehensive Mortgage Solutions

Our comprehensive mortgage consulting services offer tailored financing solutions for everything from affordable homes to luxury properties—completely free of charge and independent of any specific bank, ensuring what’s best for your profile

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First time Homebuyers

we simplify the home loan process for first-time buyers—guiding you every step of the way, from bank selection to final approval, so you can purchase your first home with confidence and ease

We help UAE residents secure the best mortgage deals by providing expert support throughout the process—from assessing eligibility to managing all documentation—making your home financing smooth and hassle-free.

We help non-residents finance their property purchases in the UAE by guiding them through the entire mortgage process and handling all paperwork—making it simple to buy from overseas.

We assist property owners with equity release solutions—helping you unlock funds from your existing property through refinancing, without selling your home.

Luxury Residences

01

First time Homebuyers

Green Building

02

Resident Mortgages

Green Building

03

Non-resident Mortgages

Vacation Rentals

04

Equity Release / Buyouts

01 Luxury Residences

mortgage process step-by-step

Assessment & Pre-approval

Check eligibility and get pre-approved.

Mortgage Application

Submit property details and bank valuation.

Final Offer Letter

Sign the loan offer letter with loan details.

Funds Disbursement

Bank transfers funds for payment to seller/developer.

Registration & Transfer

Register mortgage and transfer ownership.

Get Your Keys

Receive title deed and keys.

Calculator

Mortgage Calculator (AED)

Advance Payment: 20%
Loan Term: 5 years

Who We Are

Redefining Excellence in Mortgage Industry

Founded with a passion for helping you secure your ideal home; we specialize in financing solutions from affordable to luxury properties. Our mission is driven by a commitment to personalized service, innovative mortgage options, and complete client satisfaction.

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Our Vision

Our goal is to be a leading mortgage consultancy, providing exceptional financing solutions. We strive to set the highest standards in service quality and client satisfaction.

Expert Team

Our team consists of seasoned mortgage experts with over 10 years of industry experience, well-versed in the distinct differences of each case.

Tailored Solutions

We provide tailored mortgage solutions designed to match your lifestyle and investment goals, delivering a smooth and personalized experience.

Meet our Team

Team

Adipto

Team

Frederick

Team

Jennifer

What Our Clients Say

Trusted by Many, Loved by All

Our clients’ success stories reflect our commitment to excellence. See how we’ve helped them find their dream homes, sustainable investments, and perfect getaways.

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anjali illa
a week ago
I had a great experience with Ricadi for my mortgage loan. They were professional, responsive, and made the entire process smooth and stress-free. They explained everything clearly, offered competitive options, and guided me every step of the way. I highly recommend them to anyone looking for reliable and knowledgeable mortgage support. Highly recommend Adipto from Ricadi consultancy.
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Douglas Chrispine
4 months ago
Excellent Mortgage Consultation – Highly Recommend! I had a fantastic experience with Ricadi mortgage consultancy LLC. From start to finish, Adipta was knowledgeable, professional, and genuinely invested in helping me find the best mortgage option. He took the time to explain all my options clearly, answered my questions with patience, and made the entire process stress-free. His expertise and personalized approach made a huge difference, ensuring I got a mortgage that suited my financial goals. If you’re looking for a trustworthy and efficient mortgage consultation service, I highly recommend Him
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Giorgia Fioravanti
a week ago
I had an exceptional experience with Ricardo Mortgage Consultancy. The team was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process. They took the time to explain every detail, answered all my questions promptly, and made me feel confident in my decisions.
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Laura Garzia
a month ago
Great experience with Adipto's services. He is always available and efficient. Fast and experienced. You feel in super good hands and I would go back to him for any mortgage or consultation.
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keshav inani
4 months ago
Mr Adipto helped me secure a home loan for my first house. He helped me understand the whole process in detail and got me the best possible interest rates in the market with maximum loan value. Would surely recommend dealing with him.
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Qamar Mirza
4 months ago
Hello everyone, I just wanted to tell you the ease with which Ricardi Mortgage sailed us through the red tape. Adipto who handled our account was very professional and always ready to help and talked us through every step of the way. Thanks for a wonderful experience. Great job!!!!
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Freejo Francis
4 months ago
“Ricadi Mortgage Consultancy LLC made my mortgage process seamless. Their knowledgeable, friendly team provided excellent support from start to finish, and they were incredibly professional in ensuring a smooth, stress-free experience.”
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anjali illa
a week ago
I had a great experience with Ricadi for my mortgage loan. They were professional, responsive, and made the entire process smooth and stress-free. They explained everything clearly, offered competitive options, and guided me every step of the way. I highly recommend them to anyone looking for reliable and knowledgeable mortgage support. Highly recommend Adipto from Ricadi consultancy.

Videos

Personalized Guidance,
Proven Expertise

Associate fees breakdown

Mortgage Process - Step-by-step.

What Is Equity Release? | Unlock Cash from Your Property

Simple Guide

UAE Mortgage FAQs

A mortgage is a loan from a bank to help you buy a home. You pay it back every month with interest in the form of EMI.

UAE citizens and expats (residents) can apply. Some banks also give loans to non-residents.

  • Fixed rate: Same interest for a few years.
  • Variable rate: Interest can go up or down.
  • Offset: Links to your savings, so you pay less interest.

  • UAE nationals: Up to 85% of the property price
  • Expats: Up to 80%
    You must pay the rest as a down payment.

Usually between AED 10,000 to AED 15,000 per month, depending on the bank.

  • Passport and Emirates ID
  • Visa (for expats)
  • Salary certificate, Salary slips if there is a variance in pay.
  • Bank statements (3–6 months)
  • Property papers (like MOU or title deed)

Anywhere from 5 to 25 years, depending on your age and income.

Yes.

Usually between 3.75% to 4.5% per year, depending on your deal and the bank for Expats

  • Down payment of 20%
  • Bank fees of between 0-1%
  • Valuation fee (AED 2,500–3,500)
  • Dubai Land fees (around 4%)
  • Mortgage registration (0.25% of loan amount)
  • Real Estate brokerage fees of 2%

Yes, but you might pay an early settlement fee (up to 1% of what you still owe).

You might get charged extra, and it can affect your credit score. Tell your bank if you're having trouble paying.

Yes, this is called a buy-out. You might get better rates, but some fees will apply.

Yes. Islamic banks offer options that follow Sharia law, without charging interest.

Yes, some banks offer non-resident mortgages, but with higher downpayment and higher rates.