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Mortgage from just 3.75% UAE’s Best Rate!
Own your dream home in the UAE. Simple process, fast approval apply from anywhere in the world.
Low Rate. Zero Hassles.
Get the Right Loan for You
Who we are
12+ Years of Building Trust in UAE's Real Estate & Mortgage Sector
WHome Capital has been serving the UAE real estate market for over 12 years, offering complete services from property buying, selling, and rentals to expert mortgage solutions. With a wide range of listings on our website and a focus on making financing easy for everyone residents, non-residents, or UAE nationals our mission is to make your real estate journey simple, smooth, and stress-free.
Established Since
2013
Low rates and affordable monthly payments.
Save more every month with the UAE’s lowest mortgage and loan rates whether you’re buying a home, seeking residency, or need financing, we’re here to help.
Home Purchase
Buy your dream home in the UAE with expert mortgage support, no matter where you live. We help residents and non-residents secure the best financing available.
Residency Support
Secure a property and gain eligibility for UAE residency. We guide you through property-linked visa options and all the necessary steps.
Loan Options
From home loans to personal, business, and auto loans choose from flexible plans that suit your lifestyle and financial needs. Make process easier
Our Value
Alone we can do so little, together we can do so much.
We believe in teamwork, integrity, and empowering every client on their journey to homeownership.
Our Vision
To make housing finance simple, accessible, and convenient for everyone helping people turn their home dreams into reality.
Our Mission
Deliver a fast, efficient, and stress-free mortgage experience with a strong focus on service quality and customer satisfaction.
Our Motto
Unlocking Homeownership Dreams Together. We provide affordable, innovative, and tailored financing solutions designed around your needs.
Services
Personalized mortgage and finance plans that suit your needs.
We offer expert support in home loans, mortgage planning, property buying & selling, investment advice, and residency-linked financing all under one roof.
Help people Get home
14K+
Established Since
2013
What we offer
Mortgages so simple, you see what you get.
UAE Nationals
We offer exclusive mortgage solutions tailored for UAE citizens with flexible terms and fast approval
- Government-backed options
- Lowest interest rates
- Fast-track approvals
- Zero processing fees (on select plans)
- Shariah-compliant options
UAE Residents (Expats)
Designed for expats living in the UAE get simple, flexible home financing with trusted local banks.
- Up to 80% financing
- Salary transfer not required
- Quick pre-approvals
- Affordable monthly payments
- Easy documentation process
Non-Residents
Apply from anywhere our non-resident mortgage plans make owning in the UAE possible and profitable.
- Available without UAE residency
- Remote application & digital process
- Income-based eligibility
- Property investment support
- Currency flexibility options
Off Plan Properties
Secure financing before the project is complete and plan your future home with confidence. .
- Finance up to 50–80% during construction
- Tie-ups with top developers
- Pay in stages linked to construction progress
- Project inspection support
- No hidden charges
First Sale Properties
Buying a new home from the developer? Get fast approvals and bank financing for brand new units.
- Up to 85% financing
- Immediate move-in eligibility
- Deals with top UAE developers
- Fast bank disbursal
- Free consultation
Resale Properties
Buying from a previous owner? We provide financing options that support smooth resale transactions
- Property evaluation support
- Title deed & DLD assistance
- Buyer–seller coordination
- Loan transfer & takeover facility
- Best rates for secondary market
How it Works
Let us help you get your home today.
We make the mortgage process easy and stress-free with fast approvals, full transparency, and step-by-step guidance from our experienced team.
Step 1
Initial Consultation
Speak with our mortgage experts to understand your options and eligibility whether you're a resident, non-resident, or UAE national.
Step 2
Document Collection
Submit your basic documents online or via WhatsApp we’ll guide you through what’s needed for your selected bank.
Step 3
Evaluation and Approval
We ensure your application is accurate and aim to get you pre-approved within 24–48 hours, with complete transparency at every step.
Step 4
Disbursement Process
Once your mortgage is approved, we coordinate with the bank and developer or seller to ensure a smooth disbursement process.
Why Choose us
We’re a specialized mortgage partner with strong local expertise and trusted bank relationships.
From first consultation to final disbursement, WHome Capital is with you every step fast, reliable, and built around your needs.
Competitive Pricing
We offer some of the lowest mortgage rates in the UAE no hidden fees, no surprises, just fair, transparent pricing.
Free Consultations
Speak with our expert advisors anytime no charges, no commitments. Just real guidance to help you make the right choice.
Lifetime Tracking
Track your mortgage status, payments, and renewals with ongoing support even after your loan is approved.
24/7 Premium Support
Questions at midnight? No problem. Our team is available round-the-clock to assist you, wherever you are in the world.
Explore Listed Properties
Discover a wide range of verified residential and commercial properties across the UAE from ready homes to off-plan projects, all in one place.
House
$125,000
Jakarta, Indonesia
Jakarta Garden City House & Residence
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- 2
- 2
- 2
- 1472 sqft
Apartement
$145,000
Bandung, Indonesia
Asya Apartment and Office Tower
Aliquam nullam cursus nam arcu fames consectetur ante vitae pulvinar sagittis consectetuer
- 2
- 2
- 2
- 1472 sqft
Office
$225,000
Surabaya, Indonesia
Ambassador Tower and Office
Aliquam nullam cursus nam arcu fames consectetur ante vitae pulvinar sagittis consectetuer
- 2
- 2
- 2
- 1472 sqft
House
$125,000
Jakarta, Indonesia
Lokamaya Green House & Apartment
Aliquam nullam cursus nam arcu fames consectetur ante vitae pulvinar sagittis consectetuer
- 2
- 2
- 2
- 1472 sqft
No prepayment penalties. You can pay early without a charge.
Pay off your loan early at your convenience with zero extra charges or hidden fees..
Every Step Of The Way
From first inquiry to final disbursement, WHome Capital walks with you through the entire mortgage journey making it simple, stress-free, and completely personalized.
Dedicated Loan Concierge
Your personal mortgage advisor is always on hand to guide, support, and handle all the paperwork for you, so you don’t have to worry about the process.
Flexible Rates & Low Fees
We compare offers from top UAE banks to get you the most affordable rates with minimal processing charges no surprises, no hidden costs.
Talk with a Lending Specialist.
Ready to take the next step? Fill out the quick form below and one of our experts will contact you shortly.
Testimonial
Client Feedback
Hear directly from our satisfied customers who have experienced hassle-free mortgage solutions with WHome Capital. Their stories reflect our commitment to trust, transparency, and personalized service.
★★★★★ 4.7/5
Services
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