Effective Date: [09/07/2026]
Welcome to Winkrthi Mortgages (“Company”, “we”, “our”, or “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website and our mortgage advisory and related services within the United Arab Emirates (“UAE”). By accessing our website or using our services, you agree to be bound by these Terms.
1. About Winkrthi Mortgages
Winkrthi Mortgages provides mortgage advisory and consultancy services, assisting individuals and businesses in identifying suitable mortgage and property finance solutions offered by licensed financial consultants in UAE.
Where applicable, we act as an intermediary between clients and regulated lenders. We are not a bank and do not lend money directly.
2. Eligibility
You may use our services only if you:
- Are at least 21 years of age or otherwise legally eligible to enter into financial agreements in the UAE.
- Provide accurate, complete, and up-to-date information.
- Have the legal authority to submit mortgage applications on your own behalf or on behalf of an authorised entity.
3. Scope of Services
Our services may include:
- Mortgage consultation
- Property finance advice
- Mortgage pre-approval assistance
- Mortgage application support
- Refinancing and equity release guidance
- Buy-to-let mortgage consultation
- Assistance with documentation and lender coordination
The services provided depend on your financial circumstances, lender criteria, and applicable UAE regulations.
4. No Guarantee of Mortgage Approval
Winkrthi Mortgages does not guarantee:
- Mortgage approval.
- Specific loan amounts.
- Interest or profit rates.
- Financing terms.
- Processing timelines.
All lending decisions are made solely by the relevant licensed financial institution following its own underwriting policies and applicable UAE laws and regulations.
5. Client Responsibilities
You agree to:
- Provide truthful and complete information.
- Submit genuine supporting documents.
- Promptly notify us of any material changes to your financial circumstances.
- Cooperate with requests for additional documentation.
Any false, misleading, or fraudulent information may result in the immediate termination of our services and may be reported to the relevant authorities where required by law.
6. Fees and Charges
Where applicable:
- Our fees will be disclosed before engagement.
- Any commission received from lenders will be in accordance with applicable UAE laws and regulatory requirements.
- Government fees, property valuation fees, registration charges, legal fees, insurance premiums, and lender charges are separate from our fees unless expressly stated.
All fees paid for completed advisory services are non-refundable unless otherwise agreed in writing or required by law.
7. Independent Financial Decisions
Information provided by Winkrthi Mortgages is intended to assist clients in making informed decisions.
You remain solely responsible for evaluating whether a mortgage or financing product is suitable for your financial circumstances.
Where appropriate, you should obtain independent legal, tax, or financial advice before entering into any financing arrangement.
8. Privacy and Data Protection
We collect, process, store, and share personal information only as necessary to:
- Assess mortgage eligibility.
- Submit applications to lenders.
- Verify identity.
- Comply with regulatory obligations.
- Prevent fraud and financial crime.
By using our services, you consent to the processing and sharing of your personal information with lenders, credit agencies, government authorities, service providers, and regulatory bodies where required.
We will handle your personal information in accordance with applicable UAE privacy and data protection laws.
9. Anti-Money Laundering and Know Your Customer (KYC)
To comply with UAE regulations, we may request documentation to verify your identity, source of funds, income, and other information required under applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements.
Failure to provide requested documentation may delay or prevent the processing of your application.
10. Intellectual Property
All website content, including logos, trademarks, text, graphics, images, documents, and software, is owned by or licensed to Winkrthi Mortgages.
No material may be copied, reproduced, distributed, or used without our prior written consent.
11. Limitation of Liability
To the maximum extent permitted under UAE law, Winkrthi Mortgages shall not be liable for:
- Mortgage application rejection.
- Decisions made by lenders.
- Changes in interest or profit rates.
- Delays caused by lenders, developers, government authorities, or third parties.
- Financial losses arising from investment or borrowing decisions made by clients.
Our liability shall be limited to the fees paid directly to Winkrthi Mortgages for the relevant advisory service, where permitted by law.
12. Third-Party Services
Our website may contain links to third-party websites or services.
We are not responsible for the availability, accuracy, security, or content of external websites or services.
13. Confidentiality
We will take reasonable measures to protect confidential client information.
However, we may disclose information where required by applicable law, court order, regulatory authority, or for the purpose of processing your mortgage application.
14. Electronic Communications
By providing your contact details, you consent to receiving communications by:
- Telephone
- SMS
- Other electronic communication channels
These communications may relate to your enquiry, application status, documentation requests, and relevant mortgage products or services. You may opt out of marketing communications at any time.
15. Suspension or Termination
We reserve the right to suspend or terminate our services where:
- These Terms are breached.
- Fraud or unlawful activity is suspected.
- Required documentation is not provided.
- Continuing to provide services would breach applicable laws or regulatory requirements.
16. Governing Law and Jurisdiction
These Terms shall be governed by the laws of the United Arab Emirates.
Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts of the Emirate in which Winkrthi Mortgages is registered, unless otherwise required by applicable law.
17. Amendments
We may amend these Terms from time to time.
Updated Terms become effective immediately upon publication on our website. Continued use of our services constitutes acceptance of the revised Terms.
18. Contact Information
For any questions regarding these Terms & Conditions, please contact:
Winkrthi Mortgages
Email: [info@winkrthimortgages.ae]
Phone: [+971556708181]
Office Address: [Building A3, 3rd floor, Business Park, Dubai South, Dubai. UAE.]