UAE's Trusted Financial Broker — 15+ Years

Your Financial Goals,
Our Expertise

Mortgages, personal loans, business finance, and credit facilities — tailored to individuals and corporates across the UAE with the best offers from leading banks.

🏠 Mortgage Loans 💳 Credit Cards 💰 Personal Loans 🏢 Business Finance 🔄 Refinancing 📊 Trade Finance

What Are You Looking For?

Mortgage / Home Loan
UAE Nationals · Residents · Non-Residents
Get Quote
Personal Loan
Salaried & Self-Employed · Up to AED 4M
Apply Now
Business Loan / Trade Finance
SME · Corporate · Working Capital
Enquire
Credit Card
Personal & Corporate · Best Rewards
Compare
15+
Years Experience
25+
Partner Banks
24H
Pre-Approval Speed
95%
Approval Rate
Fero Finance – Best Mortgage Consultation in UAE
15+
Years of UAE
Finance Expertise
Why Fero Finance

Serving Every Financial Need
with Precision and Care

Fero Finance is a UAE-based financial brokerage with over 15 years of collective expertise, dedicated to finding the best financial solution for every individual and corporate client — with the right lender at the right rate.

Access to 25+ UAE Banks at Once

We compare rates, structures and terms from the UAE's top lenders — saving you time and delivering better offers than walking in alone.

Higher Approval Rates

We match your profile to the right lender, structuring your application to maximise approval chances and protect your credit score.

Individual & Corporate Solutions

From a salaried first-time buyer to a trading company needing a credit line — Fero Finance covers the full spectrum of UAE financial needs.

Fast, Guided Process

One dedicated advisor handles your documentation, bank submissions, and follow-ups — so you focus on your goals, not paperwork.

15+
Years Combined
UAE Finance Experience
AED 1B+
Total Facilities
Arranged
2,000+
Clients Served
Across UAE
All 7
Emirates Covered
Nationwide
Our Services

Every Financial Solution
in One Place

Fero Finance provides the full range of credit facilities — from home mortgages to corporate trade lines — with expert guidance every step of the way.

Talk to an Expert

── Mortgage Solutions

Mortgage

Home Purchase

Buy your villa or apartment with clear affordability planning, deposit guidance, and a clean bank-ready application. UAE nationals, residents & non-residents.

Get Quote
Mortgage

Refinancing

Switch to a better rate, lower your monthly payment, or release equity. We compare realistic offers across fees, rates, and timelines before you commit.

Compare Rates
Mortgage

Equity Release

Unlock capital from a property you own. We review your scenario, outline requirements, and submit a structured, bank-ready application.

Check Eligibility
Mortgage

Loans Against Property

Use residential or commercial property as collateral for business expansion, investment, or personal financial needs. Best structure, best bank.

Enquire Now

── Personal & Credit Facilities

Personal

Personal Loans

Salaried and self-employed applicants. We match your income, commitments, and profile to the best personal loan offer across UAE banks — with minimal documentation.

Apply Now
Credit

Personal Credit Cards

Cashback, travel rewards, or lifestyle benefits — we compare the UAE's best personal credit card offers to match your spending habits and income profile.

Compare Cards
Corporate

Corporate Credit Cards

Give your business spending power with corporate cards offering expense management, high limits, and rewards. We handle the application and bank negotiations.

Enquire Now

── Business & Corporate Finance

Business

Business Loans

Unsecured and secured business loans for SMEs and growing companies. Working capital, expansion, equipment — we structure the right facility for your business needs.

Get Funded
Trade

Trade Finance Facilities

Letters of credit, invoice discounting, supply chain finance, and overdraft facilities — for businesses involved in import, export, or domestic trade across the UAE.

Learn More
Corporate

Corporate Finance Advisory

Structured credit facilities, debt restructuring, and multi-bank arrangements for mid-to-large corporates. Our advisors negotiate terms that align with your financial strategy.

Schedule Advisory
Process

From First Call to Approved Funds

Simple, transparent, and supported at every step — no surprises, no jargon.

1

Share Your Goal

Tell us what you need — mortgage, loan, credit card, or trade facility. Share your residency, employment, income, and timeline. Takes 5 minutes.

2

Eligibility and Budget Check

We assess your financial profile against UAE lending criteria and identify the most realistic financing options, budget, and affordability range.

3

Personalised Plan

We build a clear financing plan with the best-matched lenders, rates, terms, and fees — giving you a full picture before any application is filed.

4

Document Preparation

Receive a customised checklist for your profile. We guide document collection, review, and formatting so your submission is bank-ready from day one.

5

Bank Submission and Offers

We submit to the right banks simultaneously and present real, comparable offers — so you choose with confidence, not guesswork.

6

Approval and Closing

Once approved, we guide every final step — verification, legal requirements, and handover — until funds are disbursed or keys are in your hand.

Client Stories

Happy Clients Who
Found Their Solution with Fero Finance

Mortgage Estimator

Calculate Your
Monthly Payments

Adjust the sliders for an instant indicative estimate. Speak with an advisor for your confirmed rate.

Property PriceAED 1,500,000
DepositAED 300,000 (20%)
Loan Term25 Years
Interest Rate3.99%

Estimates are indicative only. Final rates set by bank assessment.

Estimated Monthly Payment
AED 6,316
Based on current inputs
Loan Amount
AED 1,200,000
Upfront Cost Estimate
DepositAED 300,000
DLD Transfer Fee (4%)AED 60,000
Trustee FeeAED 4,200
Bank Processing Fee (est.)AED 6,000
Total Upfront Estimate
AED 370,200

For UAE Nationals: 20% for properties ≤ AED 5M; 30% for properties above AED 5M.
For Expatriates: 25% for properties ≤ AED 5M; 35% for properties above AED 5M.

Banks usually require a minimum monthly income of AED 10,000 for UAE nationals and AED 15,000 for expats. Generally, you can borrow up to 7 times your annual income, subject to debt-to-income ratios.

A pre-approval is an initial assessment confirming how much a bank can lend you before you start shopping. It is highly recommended to define your budget and show sellers you are a serious buyer.

Current rates range from 3.5% to 5.25%.
  • Fixed-Rate: Stability for 3-5 years with consistent payments.
  • Variable-Rate: Changes based on market conditions (EIBOR + margin). Ideal if you foresee EIBOR easing.

With a clean application: Pre-approval takes 2-5 working days. Full Approval (post-valuation) averages 3 weeks. Maximum loan tenure is typically 25 years.

Yes, several banks lend to non-residents. However, expect a lower LTV (50%–60%) and slightly higher interest rates compared to residents.

DBR: Limit is 50% per CBUAE; we manage stress DBR by offering up to 49.75%.
Early Repayment: Fees are capped at 1% (max AED 10,000), whether settling in cash or refinancing.

Documents: Passport, Emirates ID, Visa, Salary Certificate, 3-6 months bank statements.

Costs:
  • Processing Fee: 0.25%–1% of loan.
  • Property Valuation: AED 2,500–5,000.
  • Registration: 0.25% of loan + AED 290.
Referral Programme

Refer Friends.
Earn Rewards.

Share Fero Finance with people you care about — and earn when they get approved. No limits, no catches.

Personal Credit Cards

Share the Benefits, Get Rewarded

Love Fero Finance? Refer a friend for a personal credit card. Every time a friend's application gets the green light, we'll drop a bonus into your account. Annual limits apply.

Refer a Friend
Business Finance

Capitalize on Your Business Network

Know entrepreneurs or companies looking for funding? Connect them with Fero Finance. You will receive a cash payout for every approved business loan or trade finance deal, spanning corporate, SME, and trade facilities.

Refer a Friend
01
Share Fero Finance
with a friend
02
They contact us
via WhatsApp
03
Their facility
gets approved
04
You receive
your cash reward