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Mortgages & Finance Solutions with Encanto

Helping you find the right mortgage, with clarity and confidence.

Your property journey should be seamless and stress-free. At Encanto, our in-house mortgage and finance specialists provide tailored funding solutions for residential, investment, commercial, and development properties across the UAE. Working closely with leading banks, lenders, and private finance providers, we secure competitive terms aligned with your objectives.

Our Mortgage & Finance Services

Residential & Investment Finance

Residential Mortgages

Standard financing for primary residences, offering fixed or variable rates with repayment or interest-only options.

Buy-to-Let (BTL) Mortgages

Buy-to-Let (BTL) Mortgages Specialist loans for rental properties, assessed on rental income and investment performance.

Shared Ownership / Help to Buy (UAE)

Government-backed schemes designed to help first-time buyers purchase a share of a property with reduced upfront costs.

Non-Resident Mortgages

Tailored solutions for international buyers, addressing specific eligibility criteria and deposit requirements in both the UAE.

Off-Plan Financing

Mortgage options for properties under construction, structured around developer milestones and lender policies.

Islamic Mortgages

Access to Sharia-compliant financing solutions available in the UAE institutions.

Commercial & Development Finance

Commercial Mortgages

Funding solutions for offices, retail units, warehouses, and mixed-use properties, including owner-occupier and investment loans.

Development Finance

Structured funding for construction and major refurbishment projects, with staged drawdowns aligned to build progress.

Auction Finance

Short-term finance designed for fast completion when purchasing properties at auction.

Mezzanine Finance

A hybrid funding solution combining debt and equity, often used to enhance leverage on larger or more complex developments.

Short-Term & Bridging
Solutions

Bridging Loans

Flexible, short-term loans used to bridge funding gaps between transactions or while arranging long-term finance.

Second Charge Mortgages

Additional borrowing secured against a property that already has a first mortgage, without refinancing the existing loan.

Portfolio & Specialist Finance

Portfolio Loans

Tailored finance solutions for investors holding multiple residential or commercial properties.

Equity Release / Reverse Mortgages

Options for qualifying homeowners to unlock capital from existing properties for reinvestment, lifestyle needs, or estate planning.

Why Choose Encanto?

Our mortgage and finance advisory service offers:

  • Access to mainstream, specialist, and private lenders
  • Bespoke funding structures for complex transactions
  • Transparent advice and clear fee structures
  • End-to-end support from initial assessment to completion

Speak to Our Finance Specialists

Whether you are purchasing a home, expanding an investment portfolio, or financing a development project, Encanto provides the expertise and market access to secure the best available finance solutions in the UAE.

Contact our in-house mortgage and finance team today and move forward with confidence.