Welcome back

Enter your phone number to access your account

+971

Enter the code sent to your phone

✓
Welcome to Sooner
Pending activation
AED 0
towards your upfront costs
Lowest mortgage rates from 15+ banks
200,000+ compatible properties across our broker network
Application under review - we'll notify you within 48 hours
Your Sooner balance Pending activation
AED 0
towards your upfront costs
See cost breakdown →
0 of 2 steps completed 0%
Your progress saves automatically
Your application is under review. A Sooner advisor will be in touch within 24 hours to activate your funds and get you started.
Form 2 complete
Indicative SCS and fee tier

We’ve rebuilt your Sooner offer with your full borrower profile.

Pending
Indicative SCS
--
Sooner fee tier
--

Fee tier pending

Selected services

CFF only

15%
Money you can access AED 0
Estimated monthly repayment AED 0
Zero commitment
You only pay once you use your funds. Cancel for free anytime prior to use.
Best mortgage rates included
We compare offers from 15+ banks and get you the lowest rate. No need to shop around.
Cost breakdown See what Sooner covers vs what you pay
→
Detailed financial details
○
Detailed financial details
Finish your financial details
Detailed property details
YOUR JOURNEY
Closing cost support
We cover your upfront fees
Mortgage pre-approval
Best rates from 15+ banks
Find your home
Matched with top brokers
Document upload
Complete every required tile to submit.
✕

Eligibility

We use your Form 1 answers and a few borrower choices to rebuild the live Sooner offer.

Phone OTP confirmation
Verified via OTP
Cost breakdown + Sooner offer

Pulled from Form 1 and ready to review.

Property value AED 0
Sooner covers AED 0
Monthly income from Form 1 AED 0
Timeline Pending
Service selection

Bundled services lower the Sooner fee tier.

Live fee tier

CFF only

15%

Employment

Confirm the Form 1 income first, then complete the employment matrix.

Confirm your income

These values come from Form 1. Edit them here if anything changed.

Pending
AED
AED
Combined income is used to calculate your eligibility.
AED
AED
Employment type
Salaried
Self-employed
Commission-only
Other
Unknown employer

Complete the T1 fields below when the employer is not in the named taxonomy.

Finances

Enter your current commitments in AED. Documents and AECB verify the figures later.

Co-applicant liabilities are added separately.

You'll fill the co-applicant's rent, loans, and credit cards in the co-applicant details overlay. This section only covers your own.

Financial commitments

Property

This locks the property intent, down payment source, and the AECB confidence band we use in the dashboard preview.

Property usage
Primary residence
Second home
Investment
Down payment source
Savings
Family gift
Property sale
Investment liquidation
Inheritance
Other
AECB band
Excellent 740+
Good 620-739
Fair 550-619
Don't know
✓
Form 2 saved
Your borrower dashboard is ready for Form 2.5 and Form 3.
✕

Co-applicant details

Add the second applicant so we can compare the joint estimate against the solo case.

Co-applicant details

We use this to build the joint affordability view and document checklist.

Needed
+971
Confirm co-applicant income

Update the fixed amount first, then add commission if needed.

Pending
AED
AED
Employment type
Unknown employer

Complete the T1 fields below when the employer is not in the named taxonomy.

Financial commitments

We’ll add the co-applicant to the joint estimate once these fields are complete.

Joint SCS estimate
Solo
--

Primary borrower only

Joint
--

Primary + co-applicant

←
Your payments
Sooner balance
AED 166,000
Towards your upfront costs
Pending activation
Monthly repayment AED 3,335/mo
Property value AED 1,500,000
Duration 60 months
You only pay once you use your funds. Cancel for free anytime prior to use.
ALLOCATED FUNDS
These funds are allocated towards your property purchase closing costs. Payments will be made directly to each counterparty on your behalf.
Cost breakdown
Property value AED 2,000,000
Down payment (20%) AED 400,000
Closing costs AED 166,000
Total upfront costs AED 566,000
Sooner covers
AED 166,000
Paid back over 60 months
You pay
AED 400,000
Down payment to bank
WHAT SOONER COVERS
Monthly repayment to Sooner AED 3,335/mo
Duration 60 months