We're the Mortgage Brokers Who Answer Your Phones
No offshore call centers. No AI chatbots. No "someone will get back to you."
Just real people in Dubai who actually know your name and return your calls in 2 hours.
Started Because Banks Made Us Angry…
In 2015, our founder, Hassan, spent 10 years as a senior underwriter at Emirates NBD. Every day, he rejected good people for stupid reasons.
"Your income is too variable…"
"You just changed jobs…"
"Your credit score is 680, we need 700..."
The thing is, most of these people COULD afford the mortgage. They just didn't fit the bank's rigid boxes.
So he left. Started Credit Link. And built a business around one idea:
Get real people approved by finding the right lender for their actual situation.
Not perfect situations. Real ones.
3 Things That Make Us Actually Different
You Get ONE Consultant
You get assigned ONE mortgage consultant. That person handles everything from the first call to key collection.
We Tell You "No" When We Should
If your situation isn't ready for approval, we say so immediately. And we tell you exactly what needs to change. Other brokers submit hopeless applications just to say they tried. We're selective upfront because we only get paid when you get approved.
We Negotiate Better Terms
The rate the bank initially offers isn't final. We negotiate. Average rate improvement: 0.3% That saves you: AED 30,000+ over your loan's life We've done 17,243 mortgages, so we have leverage you don't.
What We've Done Since 2015
These People Will Handle Your Mortgage
(Not a Bot)
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How We Actually Work
Honest Assessment
You tell us your situation. We tell you honestly:
- •If you'll get approved
- •Which banks will say yes
- •What rate to expect
- •Potential problems
- •Exact timeline
If we can't help, we say so immediately and tell you what needs to change.
Perfect the Application (Before Submission)
We don't submit and hope. We prepare until it's perfect.
- •Review every document
- •Fix issues before banks see them
- •Present your financials optimally
- •Only submit when we know you'll get approved
This is why our approval rate is 92%.
Submit & Negotiate (Simultaneously)
We submit to multiple lenders at once. Not one at a time.
- •Lower interest rates
- •Better LTV
- •Reduced fees
- •Flexible terms
Banks give us better deals because we bring them volume (17,243 mortgages since 2015).
Updates (Every 48 Hours Minimum)
You never wonder "what's happening?"
- •We update you every 48 hours minimum
- •Usually more
- •Even if nothing changed, we tell you
Closing
Bank paperwork. Lawyer appointments. Developer handover. Utility connections.
- •We coordinate all of it
- •You just show up to sign and collect keys
FAQ's
How long have you been in business?
Since 2015. Started by former Emirates NBD underwriter who got tired of rejecting good people for bad reasons.
How do you make money if you're free?
Banks pay us when we bring them approved clients. You pay the same rate whether you go direct or through us—but we negotiate better terms.
Why should I use a broker instead of going to my bank directly?
Your bank gives you their rates. We check 15 banks and get you the best one. Plus we negotiate. Average rate improvement: 0.3% = AED 30K+ saved.
What if I'm not in Dubai?
We handle 35% of clients remotely (especially non-residents). Video calls, WhatsApp, secure document upload. You only visit UAE once for signing.
Do you have offices?
One office in Dubai. But most clients never visit it—everything happens via phone/WhatsApp/video.
Can I meet my consultant in person?
Yes. Book appointment and they'll meet you at our office or a convenient location.