Mandatory Disclosures

Regulatory Disclaimer

General Notice: Keystones Mortgage is a mortgage consultancy and is not a bank or lender. Information on this website is general and is not financial, legal or tax advice. Mortgage approval, interest/profit rates, fees and terms are set by lenders and depend on their eligibility and credit criteria. Figures are illustrative as of the date shown and may change.

1. Independent Consultancy Status

Keystones Mortgage acts as an independent mortgage consultancy assisting clients in assessing borrowing capacity, comparing lender options, and compiling application documents. Keystones Mortgage does not hold client money, accept deposits, or provide credit directly.

2. Illustrative Rates & Payment Figures

Any interest rate, profit rate, monthly repayment figure, or transaction fee shown on this website is presented solely for illustrative purposes based on the regulatory review date (2026-10-21). Prevailing market rates change frequently based on Central Bank monetary policy, EIBOR shifts, and individual lender pricing.

3. Rate Risk Notice

Fixed rates usually last 1–5 years. After that your rate typically follows EIBOR plus the lender's margin, so payments can go up or down.

4. Islamic Finance Notice

Islamic home finance products are structured and certified by each provider's Sharia supervisory board.

5. Dispute Resolution & Sanadak Ombudsman

If you experience an unresolved dispute with a licensed UAE bank or financial institution, you should first exhaust the institution's formal complaints process. If the dispute remains unresolved after 30 business days, complaints may be escalated to Sanadak (sanadak.gov.ae), the official financial ombudsman unit established under the Central Bank of the UAE.