Independent brokerage — paid by the lender, never by the client
Two markets. One way of working.
Mawlny is a financing brokerage operating in the United Arab Emirates and in Egypt. Each market has its own lenders, its own regulator and its own site. What does not change is the method: we put your file in front of the lenders whose credit policy actually fits it, and the lender pays us — never you.
- Markets
- 2Markets
- Years brokering
- 15+Years brokering
- Lender relationships
- 40+Lender relationships
- Cost to the client
- ZeroCost to the client
Choose your market
Each site runs its own calculators, rates and application.
A brokerage, not a lender
Mawlny arranges finance. We hold no deposits, we lend nothing of our own, and we cannot approve an application — every credit decision belongs to the lender.
Egypt — FRA-supervised lenders
Egyptian files are placed with banks and with mortgage finance companies licensed and supervised by the Financial Regulatory Authority under Law 148/2001.
UAE — Central Bank panel
Emirati files are placed with banks and finance companies licensed in the UAE and supervised by the Central Bank of the United Arab Emirates.
Paid by the lender
Our commission is paid by the lender on completion, at the same rate across the panel. You pay the lender's own fees and nothing to us.
Same method, two very different markets
The regulator, the paperwork and the pricing have almost nothing in common between Dubai and Cairo. Compare them line for line — the differences are the reason each market is staffed and run separately.
Mawlny UAE
Dubai · United Arab Emirates
Financing brokerage across the Emirates: home finance, business and commercial funding, and personal loans, placed with a panel of more than twenty banks and finance companies.
- Lenders on panel
- 20+
- Financing lines
- 4
- Rates from
- On application†Indicative
- Longest term
- 25 yrs†Indicative
Mawlny Egypt
Cairo · Egypt
Mortgage brokerage for Egyptian property: the subsidised Central Bank initiative, commercial mortgages and Islamic financing, placed with twenty banks and FRA-licensed finance companies.
- Lenders on panel
- 20
- Financing lines
- 4
- Rates from
- From 8%
- Longest term
- 30 yrs
† Indicative: quoted per file by the lender and subject to change. Figures without a mark are published by the regulator in that market and are sourced on the operating site.
Every financing line, and where it is available
The whole offering in one table, because this is the only page where you can see both markets at once — and the only place the honest answer to "can you do this for me in Cairo?" is written down.
| Financing line | UAE | Egypt |
|---|---|---|
| Home & property financeA mortgage on a completed home, for an owner-occupier or an investor. The core of both businesses. | Available | Available |
| Subsidised mortgage initiativeThe Central Bank of Egypt's low- and middle-income programmes, administered with the Social Housing & Mortgage Finance Fund. There is no UAE equivalent. | Not offered | Available |
| Sharia-compliant structuresMurabaha and ijara from the Islamic banks on each panel, with the profit rate and the transfer of ownership explained before you sign. | Available | Available |
| Refinancing & equity releaseMove an expensive facility to a cheaper lender, or raise finance against a property you already own. | Available | Available |
| Business & working capitalTerm loans, working capital and equipment finance. The UAE panel is much deeper here; in Egypt we take business files selectively. | Available | Case by case |
| Commercial & administrative unitsClinics, offices and retail space, assessed on the business file as well as the personal one. | Available | Available |
| Personal loansUnsecured personal finance against salary. UAE only — we do not broker consumer credit in Egypt. | Available | Not offered |
| Build on your own landConstruction finance released in stages against engineering progress reports. Routine in Egypt, case-by-case in the UAE. | Case by case | Available |
| Non-residents & expatriatesFinancing against income earned abroad, with power of attorney and remote signing arranged so you do not travel to sign. | Available | Available |
Availability is a matter of which lenders on each panel will actually write the business — not of what we would like to sell.
A bank branch can only sell you its own product
We can see the whole panel, and we are paid the same whichever lender you end up with. That is the entire argument, and everything below follows from it.
The lender pays us, not you
Our commission comes from the lender on completion and does not vary with which one you choose. There is nothing in our recommendation for you to discount.
One file, the whole panel
You assemble your documents once. We put the same file in front of the lenders whose credit policy fits it, instead of you queueing at four branches to find out.
We read credit policy, not brochures
Which lender accepts a unit without registered title, which one counts a spouse's income, which one slows to a halt in August. This decides approvals, and none of it is published.
Honest before you apply
If your file will be declined today, we say so before it is submitted. A recorded rejection sits in your credit history; an unsent application does not.
The total cost, not the headline rate
Arrangement fees, valuation, registration, insurance and the early-settlement charge all move the real price. We put them in front of you together.
Local teams, not a call centre
Dubai and Cairo are staffed separately by people who deal with those lenders every week. The group supplies the method; the market supplies the judgement.
Four steps, in either market
The sequence is the same in Dubai and Cairo. What changes is the panel, the paperwork and the regulator behind it.
Tell us the market and the file
Two minutes, by phone or on the operating site: which country, what you are buying, what you earn and what you already owe.
We test it before anyone submits it
Your numbers against each lender's real credit policy and instalment ceilings. You find out where the file stands while it can still be fixed.
We place it and carry it
Submission, valuation, legal and registration, with one advisor answering for the whole file rather than a queue number.
We stay after drawdown
Rate reviews, early-settlement calculations, and a move to a cheaper lender when the market turns in your favour.
Before you pick a site
I live in Dubai but I am buying in Cairo. Which site do I use?
Start on mawlny.eg. The financing is Egyptian, so the lender, the regulator and the valuation are all Egyptian, and our Cairo team places the file. Your UAE income and residency help rather than hinder: several lenders on the Egyptian panel price expatriate income competitively, and we arrange power of attorney and remote signing so you do not fly home to sign.
Are Mawlny UAE and Mawlny Egypt the same company?
Same brand and the same method, but separate businesses, each operating under its own market's rules and its own lender agreements. In practice that means a client relationship, an approval or a document pack in one market does not carry over to the other.
What does your service cost?
Nothing to you. We are paid a commission by the lender on completion, and it is the same whichever lender on the panel you choose. You pay that lender's own charges — arrangement, valuation, registration, insurance — and nothing to us.
Are you a bank?
No. We are a brokerage: we do not lend, we hold no deposits, and we cannot approve anything. Every application is decided by the lender's own credit committee against its own policy.
Which other countries do you cover?
None, and that is deliberate. Two markets, both staffed locally by people who deal with those lenders every week, is a limit we would rather keep than dilute. Where we cannot place a file properly, we say so instead of passing it on to someone who will.
Can I move an existing loan from one market to the other?
No — a facility secured on a property in one country cannot be refinanced by a lender in the other. What we can do is refinance it within its own market, which is usually where the saving is anyway.
Pick the market your property or your business is in
Each site carries its own calculators, its own panel and its own application. If you are not sure which applies to you, call either office and ask — it takes a minute to work out.