In Dubai, like in many other places, mortgage services are provided by banks and financial institutions. These services allow individuals to finance the purchase of real estate by taking out a mortgage loan. Here are some steps you can follow to explore mortgage services in Dubai:

1. Research Banks and Financial Institutions: Start by researching the various banks and financial institutions in Dubai that offer mortgage services. Some of the major banks in Dubai include Emirates NBD, Dubai Islamic Bank, Mashreq Bank, and others.

2. Understand Mortgage Types: Different banks may offer different types of mortgage products. Common types include fixed-rate mortgages, adjustable-rate mortgages, and Islamic mortgages that comply with Sharia principles. Understand the terms, interest rates, and repayment options associated with each type.

3. Check Eligibility Criteria: Each bank will have specific eligibility criteria that applicants must meet to qualify for a mortgage. This may include factors such as income, credit history, and employment status.

4. Compare Interest Rates: Compare the interest rates offered by different banks. The interest rate is a crucial factor in determining the overall cost of your mortgage.

5. Loan-to-Value Ratio: Understand the loan-to-value (LTV) ratio, which represents the percentage of the property’s value that the bank is willing to finance. Typically, borrowers need to make a down payment for the remaining percentage.

6. Fees and Charges: Be aware of any additional fees and charges associated with the mortgage, such as processing fees, valuation fees, and early repayment charges.

7. Documentation: Prepare the necessary documentation required for the mortgage application. This may include proof of income, employment details, property documents, and identification documents.

8. Application Process: Submit your mortgage application to the chosen bank. The bank will review your application, conduct a property valuation, and assess your creditworthiness.

9. Approval and Disbursement: Once approved, the bank will provide the mortgage agreement. Review the terms and conditions carefully before signing. Upon agreement, the loan amount will be disbursed, and you can proceed with the property purchase.

10. Repayment Plan: Understand the repayment plan and ensure that you make timely payments to avoid any penalties or issues with the mortgage.