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Key8 pricing packages

Four packages, one rule.

Your first call is free, and you pay nothing until a bank says yes.

01 · Borrowing & cost check

Key8 Clarity · AED 0, always free

Know your number before you fall for a home. It takes two minutes, with no sign-up and no phone number needed.

See what I can borrow
  • What you can borrow, using UAE lending rules
  • The home price that supports
  • Your monthly payment
  • Every upfront cost, from down payment to DLD fees
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AED 1,050

Free review first · incl. VAT

02 · Refinance advisory

Key8 Renew

For homeowners who want to lower their payments, switch banks when a fixed rate ends, buy out a co-owner or release equity.

When you pay: only when you receive the bank's final offer.

What you get

  • An honest answer first. We'll tell you whether switching saves you money, with early settlement fees and new-loan costs counted.
  • Every option compared. Refinance, buyout and equity release, side by side.
  • The switch handled. We deal with your current bank and your new one, from application to completion.

If switching doesn't save you money, we'll say so, and you pay nothing.

Book a free refinance review
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AED 2,625

incl. VAT

03 · Homebuyer advisory

Key8 Signature

For first-time buyers living in the UAE, buying a ready or off-plan home.

When you pay: only when you receive the bank's final offer.

What you get

  • One named advisor, from your first call to disbursement.
  • Your full cash-to-close, checked before you make an offer.
  • Banks compared for you. Rates, fees and conditions side by side, with the trade-offs explained in plain words.
  • Pre-approval and paperwork handled. We tell you exactly which documents to collect, once.
  • Off-plan and handover planned. We prepare for the balance due at handover well before the date.
  • Everything coordinated: developer, conveyancer, agent, valuer and bank.

If no bank makes you a final offer, you pay nothing.

Start with a free call
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0.5%–1%

of the total loan + VAT
Minimum AED 5,000 + VAT

04 · Specialist mortgage structuring

Key8 Private Office

For cases that don't fit a bank's standard form: self-employed buyers, non-residents, income from several businesses or from abroad, homes above AED 5m, portfolios, commercial property, newer companies, or a previous decline.

Flexible Payment Terms50% when you receive your mortgage pre-approval.50% when you receive the bank's final mortgage offer.No Approval, No Fee: if we can't secure a mortgage offer from any bank, you pay nothing.

What you get

  • A senior advisor with 5+ years in UAE lending, handling your case personally.
  • A strategy before any bank sees your file. We plan which banks to approach, in what order, and how to present your income, so a decline doesn't follow you.
  • A credit-ready case file that explains your income and structure the way bank credit teams assess it.
  • Negotiation on your behalf on rate, fees and conditions where your profile supports it.
  • Everything coordinated: developer, conveyancer, agent, valuer and bank.
  • Priority handling, with WhatsApp replies during working hours, Mon–Fri.
  • Complete discretion. Only your advisor and the banks you approve see your file.
  • Reviews after completion, before your fixed rate ends, to check whether switching makes sense.

Your exact rate, and the reason for it, is confirmed in writing before we start.

Book a private consultation

We work for you. That's why we charge a fee.

Our fee pays for advice built around your situation, not around a sale.

So our job is simple: find the mortgage that's right for you, even when that means waiting, choosing a different bank, or telling you not to borrow yet.

Your first call is always free. You pay nothing until a bank says yes.

Know your number before you view a home.

It takes two minutes, there's no sign-up, and it's free. No surprises.

See what I can borrow Chat on WhatsApp