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Mortgage Platform for UAE, GCC Residents & Worldwide Buyers
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Personalized Mortgage Solutions
Simplify your mortgage journey with options from top-tier banks on our platform.
Over 30 Years of Expertise
With over 30+ years of banking experience, our team provides the insights and guidance you need to make smart mortgage decisions.
No Hidden Fees
We believe in full transparency — no hidden charges, just a smarter way to finance your dream home.
How it Works
Mortgage Calculator
This calculation is based off of live products in our database.
Loan Amount
800,000
Monthly Cost
4,113
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About OKYA
OKYA is a digital mortgage platform designed to simplify home financing for UAE, GCC, and international buyers. Backed by over 30 years of banking experience, our team offers expert guidance, transparent service, and access to a wide range of mortgage options from trusted banks. Whether you’re a resident, expat, or overseas investor, OKYA helps you compare offers, submit documents securely, and get approved—quickly and without hassle. Our mission is to make the mortgage process easier, smarter, and fully focused on you.
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Become Our Partner
We invite you to become our valued partner and join us on an exciting journey towards mutual success.
500
+
Mortgage products
2000
+
Trusted partner real estate agents
30
K+
Home buyers assisted
Feedback From Our Customers
Abdelsalam B., Dubai
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OKYA helped us find the perfect mortgage with zero stress. The process was faster than we imagined.
Khadija H., Dubai
Getting a mortgage used to be a nightmare. OKYA made it feel like ordering a coffee.
Fahad H., Dubai
They offered Islamic options tailored to my needs, without me having to chase banks.
Nathan T., Dubai
I was buying my first home and had no clue where to start. OKYA guided me every step of the way.
Noura K., Dubai
I didn’t have time to run around comparing banks. OKYA did all the legwork for me.
Abdelsalam B., Dubai
OKYA helped us find the perfect mortgage with zero stress. The process was faster than we imagined.
Khadija H., Dubai
Getting a mortgage used to be a nightmare. OKYA made it feel like ordering a coffee.
Fahad H., Dubai
They offered Islamic options tailored to my needs, without me having to chase banks.
Nathan T., Dubai
I was buying my first home and had no clue where to start. OKYA guided me every step of the way.
Noura K., Dubai
I didn’t have time to run around comparing banks. OKYA did all the legwork for me.
Abdelsalam B., Dubai
OKYA helped us find the perfect mortgage with zero stress. The process was faster than we imagined.
Khadija H., Dubai
Getting a mortgage used to be a nightmare. OKYA made it feel like ordering a coffee.
Fahad H., Dubai
They offered Islamic options tailored to my needs, without me having to chase banks.
Nathan T., Dubai
I was buying my first home and had no clue where to start. OKYA guided me every step of the way.
Noura K., Dubai
I didn’t have time to run around comparing banks. OKYA did all the legwork for me.
Nayef O., Abu Dhabi
I compared offers from 5 banks in one place. No calls, no pressure — just results.
Hind B., Dubai
I uploaded my documents and they handled everything from start to finish. 10/10 service.
Mohammed I., Al Ain
Peace of mind and great rates — finally, a digital platform that understands Islamic finance.
Ahoud A., Sharjah
It felt like having a friend in the mortgage industry who actually cares.
Hassan W., Abu Dhabi
Seamless and efficient. I uploaded my documents once, and that was it.
James K., Dubai
Their team answered all my questions and found me an expat-friendly bank. Highly recommended.
Claire C., Abu Dhabi
Finally, a digital platform that gets the UAE market. No unnecessary calls, no hidden fees.
Nayef O., Abu Dhabi
I compared offers from 5 banks in one place. No calls, no pressure — just results.
Hind B., Dubai
I uploaded my documents and they handled everything from start to finish. 10/10 service.
Mohammed I., Al Ain
Peace of mind and great rates — finally, a digital platform that understands Islamic finance.
Ahoud A., Sharjah
It felt like having a friend in the mortgage industry who actually cares.
Hassan W., Abu Dhabi
Seamless and efficient. I uploaded my documents once, and that was it.
James K., Dubai
Their team answered all my questions and found me an expat-friendly bank. Highly recommended.
Claire C., Abu Dhabi
Finally, a digital platform that gets the UAE market. No unnecessary calls, no hidden fees.
Nayef O., Abu Dhabi
I compared offers from 5 banks in one place. No calls, no pressure — just results.
Hind B., Dubai
I uploaded my documents and they handled everything from start to finish. 10/10 service.
Mohammed I., Al Ain
Peace of mind and great rates — finally, a digital platform that understands Islamic finance.
Ahoud A., Sharjah
It felt like having a friend in the mortgage industry who actually cares.
Hassan W., Abu Dhabi
Seamless and efficient. I uploaded my documents once, and that was it.
James K., Dubai
Their team answered all my questions and found me an expat-friendly bank. Highly recommended.
Claire C., Abu Dhabi
Finally, a digital platform that gets the UAE market. No unnecessary calls, no hidden fees.
Abdelsalam B., Dubai
OKYA helped us find the perfect mortgage with zero stress. The process was faster than we imagined.
Khadija H., Dubai
Getting a mortgage used to be a nightmare. OKYA made it feel like ordering a coffee.
Fahad H., Dubai
They offered Islamic options tailored to my needs, without me having to chase banks.
Nathan T., Dubai
I was buying my first home and had no clue where to start. OKYA guided me every step of the way.
Noura K., Dubai
I didn’t have time to run around comparing banks. OKYA did all the legwork for me.
Nayef O., Abu Dhabi
I compared offers from 5 banks in one place. No calls, no pressure — just results.
Frequently Asked Questions
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What is OKYA?
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Is OKYA a bank?
Do I need to visit a bank or branch?
Eligibility & Requirements
Who can apply through OKYA?
What is the minimum salary required?
What is the minimum down payment?
Is a credit score required?
Mortgage Products
What types of mortgages can I apply for?
What’s the difference between fixed and variable rates?
Do you offer Islamic mortgages?
The Process
How does the process work?
How long does pre-approval take?
What happens after approval?
Can I refinance an existing mortgage through OKYA?
Fees, Security & Support
Do I have to pay to use OKYA?
Is my data secure?
Do you offer exclusive mortgage deals?
