Terms of Service

1. About these terms

These Terms of Service (the "Terms") form a legal agreement between you and GCC Mortgages (DED Trade Licence #1215743, RERA #57888), a mortgage brokerage licensed in the United Arab Emirates ("GCC Mortgages", "we", "us", "our").

By accessing gccmortgages.com or engaging our services, you agree to be bound by these Terms. If you do not accept these Terms, please do not use our website or services.

2. Nature of our services

GCC Mortgages provides mortgage brokerage services — sourcing, comparing and arranging mortgage products from a panel of UAE-licensed banks and international lenders. We are an intermediary between you and lenders. We do not ourselves provide loans, lend money or approve mortgages — the lending decision rests solely with the bank you choose to apply to.

Our services also include informational content on our website — service pages, area guides, blog posts, calculators and rate comparisons — provided for general information only.

3. Not personal financial advice

The information published on gccmortgages.com is general information about mortgages, property finance, UAE and international regulations, and is not personal financial advice or a personal recommendation.

Personal recommendations for a specific mortgage product require an individual consultation with a qualified GCC Mortgages advisor, based on a full assessment of your income, commitments, property, objectives and risk tolerance. Nothing on this website should be relied on as a substitute for a personal consultation.

4. Accuracy of information

We work to keep information on this website accurate and up-to-date. However:

• Rates change frequently — mortgage rates, LTV rules, tax rules and lender criteria change at bank or regulatory discretion, sometimes with short notice. Rates quoted on the website are indicative only and are not binding.
• Regulatory rules evolve — UAE Central Bank, RERA, DLD, HMRC, IRS, RBI and other regulatory rules referenced on this site are described as we understand them at the time of writing. They may have changed since.
• Content is periodically reviewed — we take reasonable steps to review and update content, but do not guarantee that every page reflects the most current position at every moment.

Before making a financial decision, please confirm current rates, rules and eligibility with GCC Mortgages directly.

5. Third-party content and links

Our website may reference or link to third-party websites including UAE government portals, bank websites, developer websites and international regulatory sources. These links are provided for convenience. GCC Mortgages does not endorse and is not responsible for the content, availability or accuracy of external websites.

6. Broker fees and remuneration

For UAE residential mortgages arranged by GCC Mortgages, our broker fee is customarily paid by the lender on successful completion of the mortgage — not by you as the borrower. This is disclosed to you at the time you engage us for a specific enquiry.

Some products, jurisdictions and case types may involve fees payable by you (for example, some international property mortgages, specific structuring services). Where any fee is payable by you, it is disclosed and agreed in writing before you incur it.

7. Your obligations

When engaging with GCC Mortgages, you agree to:

• Provide accurate, complete and up-to-date information
• Update us promptly if your circumstances change during an active application
• Not submit fraudulent or misleading documents
• Cooperate with reasonable AML/KYC identity verification requirements
• Use our website and services only for lawful purposes
• Not attempt to disrupt or damage the website's security or availability

8. Intellectual property

All content on gccmortgages.com — including text, images, logos, layout, code and structure — is owned by or licensed to GCC Mortgages and protected by copyright and other intellectual property laws. You may:

• View, download and print content for your personal, non-commercial reference
• Share links to our public pages

You may not, without our prior written consent:

• Copy, reproduce, republish or systematically extract content for commercial purposes
• Modify, adapt or create derivative works from our content
• Use our name, logo or branding in a way that suggests endorsement
• Use automated tools to scrape or copy the website

9. Limitation of liability

To the maximum extent permitted by law, GCC Mortgages will not be liable for:

• Financial decisions you make based on general information published on the website (see Section 3 — not personal financial advice)
• Any indirect, consequential or special loss arising out of your use of the website
• Any loss arising from actions or decisions of any lender or third party
• Any inaccuracy, delay or unavailability of the website beyond our reasonable control

Nothing in these Terms excludes or limits any liability that cannot legally be excluded, including for fraud or wilful misconduct.

10. Regulatory framework

GCC Mortgages is licensed and regulated in Dubai, United Arab Emirates:

• Real Estate Regulatory Agency (RERA) — Registration #57888
• Department of Economic Development (DED) — Trade Licence #1215743
• UAE Central Bank — mortgage broker conduct standards

Any complaint about our services should first be raised with us at admin@gccmortgages.com. We aim to acknowledge complaints within 5 working days and resolve them within 30 days. If you are unsatisfied with our response, you may refer the matter to the applicable UAE regulator.

11. Governing law and jurisdiction

These Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai. Any dispute arising out of or in connection with these Terms is subject to the exclusive jurisdiction of the courts of Dubai.

12. Changes to these terms

We may amend these Terms from time to time. Changes take effect from the date shown as the "Effective date" at the top of this page. Your continued use of the website after any change constitutes acceptance of the updated Terms.

13. Contact us

For questions about these Terms or our services:

GCC Mortgages
Email: admin@gccmortgages.com
Phone: +971 58 598 6155
Post: Dubai Hills Estate, Dubai, United Arab Emirates

See also our Privacy Policy and Cookie Policy.