Terms and Conditions

Welcome to Keyzo Mortgage Services(“Keyzo”, “we”, “our”, or “us”). By accessing or using our website www.keyzo.ae (“Website”), you agree to be bound by the following Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By using this Website, you acknowledge that you have read, understood, and agree to comply with these Terms and Conditions. If you do not agree with any part of these terms, please do not use our Website or services.

2. Services Provided

Keyzo offers mortgage consultation services, including assistance with home financing, refinancing, equity release, and related financial solutions within the United Arab Emirates. We are not a direct lender but act as an intermediary between clients and licensed financial institutions.

3. Eligibility

Our services are intended for individuals who are legally eligible to enter into binding agreements under applicable law. Users must be at least 18 years of age and provide accurate and complete information when requesting our services.

4. User Responsibilities

You agree not to:

• Use the Website for any unlawful, fraudulent, or harmful purpose.
• Misrepresent your identity or provide false information.
• Interfere with the functionality or security of the Website.
• Attempt to gain unauthorized access to any part of the Website or its systems.

5. Intellectual Property

All content on this Website—including text, graphics, logos, images, and software—is the property of Keyzo or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, modify, distribute, or republish any content without prior written permission.

6. Third-Party Links

Our Website may contain links to third-party websites or services. These links are provided for your convenience only. Keyzo has no control over, and is not responsible for, the content or privacy practices of any third-party websites.

7. Limitation of Liability

While we strive to provide accurate and up-to-date information, Keyzo makes no guarantees regarding the completeness or accuracy of content on this Website. We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Website or reliance on its content.

8. Disclaimer

Keyzo is a mortgage consultancy service provider and not a financial institution. Any loan offers or mortgage approvals are subject to the terms and conditions of the respective financial institutions. Final lending decisions rest solely with those institutions.

9. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review it to understand your rights and our responsibilities.

10. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting. Continued use of the Website after such changes constitutes your acceptance of the revised terms.

11. Governing Law

These Terms and Conditions are governed by the laws of the United Arab Emirates. Any disputes arising in connection with the use of this Website shall be subject to the exclusive jurisdiction of the UAE courts.

12. Contact Us

Have questions or need assistance with your mortgage journey? Our team at Keyzo is here to help. Whether you're a UAE resident, an international buyer, or a business seeking financing solutions, we’re just a call or message away. Reach out to us for a free consultation, expert advice, or any support you need along the way. Email: [Insert Your Email] Phone: [Insert Your Phone Number] Office Address: [Insert Your Office Address]

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Commercial finance:

At Keyzo, we provide smart and flexible commercial finance solutions to help businesses across the UAE grow and thrive. Whether you're looking to purchase commercial property, expand operations, or invest in new infrastructure, our financing options are tailored to meet your specific goals. We work with a wide network of banks and financial institutions to secure the most competitive terms, giving you access to the capital you need—when you need it.

Our team of experienced advisors simplifies the entire process, from assessing your requirements and structuring the loan to negotiating with lenders and ensuring timely approvals. With a deep understanding of the local market and business landscape, Keyzo is your trusted partner for reliable and result-driven commercial financing. Let us help you take your business to the next level with confidence and financial clarity.

Equity release / Buyouts:

At Keyzo, our Equity Release and Buyout solutions are designed to help property owners in the UAE unlock the value of their real estate. Whether you need access to additional funds for investment, education, or personal expenses, equity release allows you to tap into your property’s built-up value without selling it. Our expert advisors guide you through the entire process, ensuring competitive rates, flexible terms, and a smooth experience.

If you're looking to buy out a co-owner—whether due to partnership dissolution, divorce, or inheritance—we provide tailored mortgage solutions to help you take full ownership of your property. We work closely with top banks in the UAE to offer you the most suitable financing options, making the transition seamless and stress-free. With Keyzo, you gain access to expert support, transparent processes, and the confidence to move forward with your financial goals.

Non-resident mortgages:

At Keyzo, we understand the growing interest of international buyers in the UAE property market. Our Non-Resident Mortgage solutions are specially designed for individuals living outside the UAE who wish to invest in residential or commercial real estate here. Whether you're purchasing a home for personal use or expanding your investment portfolio, we offer flexible mortgage options, competitive interest rates, and simplified eligibility criteria to suit your unique needs.

Navigating the mortgage process from abroad can be complex, but with Keyzo, it doesn’t have to be. Our dedicated team of experts will assist you every step of the way—from documentation and pre-approval to final loan disbursement. We work closely with leading UAE banks to ensure a smooth and transparent experience, giving you peace of mind as you invest in one of the region’s most dynamic real estate markets.

Resident Mortgages:

At Keyzo, we offer tailored mortgage solutions for UAE residents looking to purchase their dream home or invest in real estate. Whether you're a salaried professional or self-employed, our team works closely with you to understand your financial profile and connect you with the most suitable mortgage options from top banks in the UAE. With access to competitive interest rates and flexible repayment plans, we make the journey to homeownership easier, faster, and more affordable.

From initial consultation and pre-approval to finalizing the loan, our experts handle the entire process with transparency and efficiency. We ensure that you are well-informed at every step, saving you time and effort. With Keyzo, you don’t just get a mortgage—you get a trusted partner dedicated to helping you secure the best possible financing for your future.