Mortgages Made Easy

We cut through the complexities of financing

Welcome to Lomond Financial 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 personalised solutions, a streamlined process, and the best rates in the market. Let us be your partner in finding your perfect home. Start your hassle-free mortgage experience today!
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    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.

    Who we are

    Reliable, Responsive, Resourceful

    Our Vision

    Our Vision

    At Lomond, our mission is to make the home financing process simple, transparent, and stress-free. We strive to build lasting relationships based on trust, and professionalism. With a focus on customer satisfaction and financial empowerment, we are committed to helping our clients navigate the complexities of the mortgage market with confidence and peace of mind.
    Our Goal

    Our Goal

    As we look to the future, Lomond aims to deliver exceptional value to its clients. That's why we are committed to providing exceptional service and tailored solutions that make the homebuying process smoother and more accessible for everyone. Whether it's guiding first-time buyers through the maze of mortgage options or helping seasoned homeowners refinance for better rates, our goal remains the same: to be a trusted partner on the journey to homeownership. With our expertise, dedication, and personalized approach, we strive to turn dreams into reality, one home at a time
    Mortgage Calculator

    Mortgage Calculator

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

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    Mortgages Explained

    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.

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    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.

    Adriaan Rossouw

    Adriaan Rossouw

    Head of Mortgages

    Adriaan is a versatile finance professional with specialties in mortgage advisory and financial planning. He has over six years of experience as a mortgage broker and three years as a financial planner. Originally from South Africa and now based in Dubai, Adriaan has developed a strong focus on understanding his clients' financial goals and expectations, providing tailored guidance that empowers them to make informed decisions. His comprehensive expertise in mortgage solutions, coupled with his deep understanding of financial planning, allows Adriaan to navigate complex financial landscapes with ease. He consistently delivers exceptional results for his clients, helping them achieve their homeownership aspirations in a transparent and professional manner. Adriaan stands out for his commitment to outstanding customer service. His approachable demeanor and excellent communication skills enable him to build strong, lasting relationships with clients, cementing his reputation as a trusted advisor in the industry. In addition to facilitating home purchases, he offers valuable insights into financial strategies, ensuring that clients can optimize their investments and secure their financial futures. With a strategic mindset and a passion for helping others, Adriaan is dedicated to guiding individuals and families toward a confident and successful homeownership journey.

    Jeffrey De Souza

    Jeffrey De Souza

    Senior Mortgage Consultant

    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

    Romalin Moodley

    Romalin Moodley

    Mortgage Consultant

    Romalin Moodley is a seasoned professional with over 20 years of experience in the mortgage industry in the South African market. Throughout his career, Romalin has demonstrated a strong commitment to providing exceptional customer service and expertise in property investment. Romalin's extensive background in the mortgage industry has equipped him with a deep understanding of market dynamics and trends. His wealth of experience has allowed him to navigate complex financial landscapes with precision and expertise, delivering outstanding results for clients and stakeholders alike. Romalin's dedication to customer service sets him apart, as he consistently goes above and beyond to meet and exceed client expectations. His approachable demeanor and strong communication skills have fostered long-lasting relationships with clients, contributing to his reputation as a trusted advisor in the industry. In addition to his expertise in securing clients with their dream homes, Romalin is well-versed in property investment, offering valuable insights to clients seeking to optimize their real estate portfolios. His strategic mindset and analytical acumen have proven instrumental in identifying lucrative investment opportunities and maximizing returns for his clients. Romalin is dedicated to helping individuals and families achieve their homeownership goals with confidence and peace of mind.

    Mary-Ann Tierra

    Mary-Ann Tierra

    Mortgage Loan Progression

    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.

    Guide To Mortgages

    Top Mortgage Tips

    Everything you need to know about mortgage services.

    Guide To Mortgages

    Some top mortgage tips to help you navigate the process smoothly:

    Assess your financial situation thoroughly.
    Research and compare mortgage products.
    Aim for a higher credit score.
    Save for a 20% down payment.
    Get pre-approved before house hunting.
    Budget for additional costs.
    Seek guidance from a professional adviser.
    Review mortgage documents carefully.
    Stay informed about market trends.
    Be patient and thorough throughout the process.
    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.