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+971

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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
--
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
→
FORM 2
○
Borrower profile
Complete Form 2
FORM 2.5
Co-applicant details

Only shown when the primary borrower applies jointly.

Needed
+971
AED
AED

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 JOURNEY
Closing cost support
We cover your upfront fees
Mortgage pre-approval
Best rates from 15+ banks
Find your home
Matched with top brokers
FORM 3
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

This section sets the income profile and determines which employer documents will be required later.

Employment type
Salaried
Self-employed
Commission-only
Other

Household

Tell us whether this is a solo or joint application, then we’ll decide whether to open Form 2.5.

Has co-applicant
Household income total

Use the joint toggle when you want the overview and SCS estimate to include both applicants.

AED
AED

Finances

These answers drive the finance profile only. AECB pulls handle the detailed balances later.

Existing mortgage
Rent payment
Personal loan
Car loan
Credit card
Savings
< AED 50,000
AED 50,000 - 150,000
AED 150,000 - 300,000
AED 300,000+

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.
←
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