We cut through the complexities of financing

Welcome to Lomond Financials Services, where your homeownership dreams come to life. Our dedicated team of mortgage specialists is here to guide you through the intricacies of home financing. Whether you're a first-time buyer or looking to refinance, we offer personalized solutions, a streamlined process, and the best rates in the market. Let us be your partner on the journey to finding your perfect home. Start your hassle-free mortgage experience today!
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About Us

Your on-call independent broker

Securing financing can be a complex process. If it’s your first time investing in the UAE real estate market, having an experienced mortgage advisor by your side is a must. We guarantee a personalized experience from the initial enquiry right through to mortgage approval. You'll get access to specialized market and financing knowledge, exclusive rates, and step-by-step support spanning the buying process, fees, timescales and borrowing limits.

Our Services

Need financing?

This is why you should use a mortgage broker.

Expert Advice
Expert Advice

They will explain the buying process in depth, from fees and timescales to how much you can borrow and walk you through the application step by step.

Better Rates
Better Rates

They will find you the best deal in the market and obtain the best bank rates for your to consider. The best brokers will take the time to explain how you can reduce the amount of cash required by (legally) loading fees onto the mortgage.

Financing Pre-approval Support
Financing Pre-approval Support

A mortgage broker will take care of the entire purchase journey for you, removing the time and complexities of securing a mortgage.

Faster Process
Faster Process

Get financed faster. Using a mortgage broker can fast track processing times.

Our Team

Meet Our Expert Team

Meet Our Experts: Discover a team dedicated to your homeownership journey. Our experienced mortgage advisors offer personalized guidance, ensuring you find the perfect financing solution hassle-free. Get to know the experts behind your dream home – your partners in seamless homebuying.

team

Jeffrey De Souza

Head of Financial Services

Jeffrey De Souza is a seasoned Financial Professional and Mortgage expert, offering a wealth of expertise from over 16 years in the EMEA and UK markets. Dedicated to guiding clients toward their dream homes and lucrative investments, he empowers individuals to navigate the mortgage market with confidence. Knowledgeable and results-driven, Jeffrey maximizes financial potential through strategic investment opportunities, leveraging his extensive understanding of global trends. He simplifies mortgage complexities for seamless home buying and investing experiences, ensuring clients achieve financial growth. With unique skills in fine-tuning decisions to suit each client's nuances, Jeffrey provides a personalized service and the best advice for the fastest path to financial success

team

Nathan Blute

Mortgage Consultant

Nathan Blute, a seasoned Financial Professional and Mortgage expert, brings a wealth of expertise derived from five years of experience in the United Kingdom and an additional three years immersed in the vibrant business landscape of the United Arab Emirates. Dedicated to guiding clients towards their dream homes and ensuring a seamless mortgage experience, Nathan places a strong emphasis on customer satisfaction and streamlining the home buying process. His commitment, cross-cultural proficiency and extensive experience are reflected in his personal and knowledge-driven approach, where he prioritises understanding clients' needs and preferences. Leveraging his comprehensive understanding of global trends and working with a range of clients from first time buyers to high net worth global investors, Nathan excels at simplifying mortgage intricacies, ensuring that the home buying process is not only financially sound but also personally fulfilling and stress free.

team

Mohammad Wasim

Mortgage Consultant

Mohammed Wasim offers more than 20 years of experience in the MENA and the UK. With a track record of success, He has earned numerous awards in the UK and successfully led a team of mortgage brokers. As a service and result-driven individual, Wasim's commitment is to get each case right the first time. He prioritises the best interests of his clients whilst helping them make informed decisions, buy properties and build wealth. In addition to his accomplishments in the workplace, Wasim is a devoted family man who also enjoys playing padel and badminton in his free time.

team

Amr Abdelaziz

Mortgage Consultant

Amr brings over 5 years of specialised experience in mortgage advisory across the UK and UAE markets, holding full Cemap Qualifications from the UK. His journey into mortgage brokerage was driven by the opportunity to help individuals achieve their dream of homeownership. Believing deeply in the impact of homeownership, Amr has dedicated himself to becoming an expert in mortgage financing, guiding clients with clarity and confidence. When clients entrust Amr as their mortgage advisor, they engage the services of a dedicated professional devoted to securing their future through homeownership. He also remains abreast of industry trends and provides innovative financial solutions to meet their needs.

team

Mary-Ann Tierra

Mortgage Admin Assistant

Mary is one of the pioneers in the administrative department at Lomond Mortgage Consultants. Originally from the Philippines, she moved to the UAE in 2018 and has worked in the hospitality industry for 2 years. With an extensive background in sales and administration management, she previously worked with a property investment firm, where she successfully supported Managing Directors and their global sales team, ensuring smooth day-to-day operations. Mary possesses substantial knowledge of mortgages and property support, making every transaction hassle-free and unforgettable.

Customers Reviews

We always go the extra mile for our clients

Don’t just take our word for it. Here’s what our clients have to say about their Betterhomes experience.

Impartial and unbiased mortgage advice

If you are looking for impartial, unbiased mortgage advice then MENA Mortgages is the place to go. They were exceptionally helpful and professional throughout the process. They followed up with the banks well, as well as agents, to try complete the process quickly and smoothly as possible for you. Highly recommended!

Javaad
I was carefully guided through every step

Right from the outset, they were committed and fully engaged with what I was trying to achieve. The communication was superb and I was being carefully guided through every single step of the process, which was very reassuring as it can be a daunting process on your own. I can't thank them enough for how they supported me.

Crispin
Recommended for a stress-free application

It has been an absolute pleasure working with Rosie. She provided an extremely professional service and was always willing to answer any questions. She made sure the process was completed in a timely manner. I highly recommend using Betterhomes mortgage services for a stress-free application.

Niel
This is my second Mortgage with Rosie

This is the second time I am using their Services. Rosie and the team are diligent, efficient, and reliable. I would not hesitate to recommend them. Thanks again to the team!

Harshil
Mortgage Calculator

Mortgage Calculator

Easy way to quickly estimate your monthly mortgage on any property.

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Frequently Asked Questions

Your questions answered

Everything you need to know about mortgage services.

Monthly mortgage payments are split into 3 parts: the principal, interest and insurance. The principle is the amount that goes towards the equity of the property, the interest is the rate charged to obtain the loan, and insurance is a mandatory addition to all mortgages.

The property you purchase acts as collateral. This means that if you fail to repay the mortgage, the lender can take possession of the property and sell it to collect any money owed to them.

This will depend on your personal circumstances, such as your salary and existing liabilities. Have a chat with our mortgage advisor who will be able to advise you based on your circumstances.

This is dependent on your personal circumstances, so you would need to speak to our mortgage advisor for an accurate answer.

If you overpay on your mortgage repayments, you will pay off your mortgage faster and pay less interest over the term (use our early payoff calculator to get the sums). So overpaying can be beneficial.

If you have a low-interest rate and you put your money towards higher-interest investments, it might make sense to keep the mortgage ongoing while using capital to earn more money on higher-interest investments.

Fixed rate mortgages are where the interest rate charged on the loan stays the same for a certain period of time, usually 1,2,3 or 5 years. During this time your monthly mortgage repayment will not change.

Variable rate mortgages are where the interest rate that you pay on your mortgage will change based upon changes to the EIBOR rate. This means that your monthly repayments can change over time.

This is the total length of the mortgage. The maximum length in the UAE is 25 years and is based on its affordability. This can be discussed with your mortgage advisor and confirmed by the bank.

We strongly recommend speaking to our mortgage advisor. They will tell you everything you need to know about getting a mortgage and guide you through every step of the way.

This is dependent on your personal circumstances. Typically, it takes around 2 weeks to get pre-approval and up to 2 weeks after signing MOU to get the final offer letter. Have a chat with our mortgage advisor who can give you realistic timeframes based on your circumstances.

Amortization is a schedule that shows you how much of your mortgage payment goes against the capital and how much goes against interest. This allows you to work out how much interest you will save by making extra payments over the tenure of the mortgage.

Contact Us

Connect with our expert advisors to get the ball rolling.