Ora Developers and Yubi Partner to Revolutionise UAE Mortgage Market with AI Platform

Mohammed Fathy

Last updated 5-02-2026

3 min

Ora Developers partners with fintech unicorn Yubi to modernise UAE home financing.

Yubi Mortgage offers “one interface” linking buyers to loans from over 25 banks.

The aim is faster approvals, less paperwork, and clearer choices for homebuyers.

AI will “better match borrowers with lenders” based on risk and affordability.

The deal supports liquidity and long-term health in UAE real estate financing.

Ora Developers has teamed up with fintech unicorn Yubi in a move that signals where home financing in the UAE might be heading next. The two companies have signed a memorandum of understanding aimed at replacing the old, paperwork-heavy mortgage process with something far more digital, faster, and frankly less of a faff.

At the heart of the partnership is Yubi Mortgage, an AI-driven platform that connects homebuyers to mortgage offers from more than 25 UAE banks through a single interface. Instead of running around between different lenders, applicants can compare proposals in one place, cutting down both time and hassle. For anyone who has ever tried to secure a mortgage in the region, that promise alone sounds spot on.

Mohamed Sheta, Group CFO of Ora Developers, said the collaboration strengthens Ora’s offering by making the home-buying journey more seamless, while improving access to financing without compromising on transparency or service standards. Gaurav Kumar, CEO of Yubi Group, echoed that view, noting that the goal is to simplify mortgage financing and give buyers more clarity and decision-making power as Yubi expands its debt infrastructure across the Middle East and Africa.

That said, this isn’t just about convenience. The companies say the model is designed to better match borrowers with lenders based on risk appetite, which could improve conversion rates for banks and affordability for buyers. On the flip side, it also feeds into a bigger-picture ambition: supporting liquidity and overall market health in UAE real estate financing. I reckon that’s where this gets interesting, especially as transaction volumes keep rising.

From the Arageek side of things, I can’t help but think back to conversations with founders who complained that access to finance was the one thing slowing everything down. Seeing AI applied in such a practical, almost unglamorous corner of the market feels like progress, well… genuine progress, you know?

Ora Developers, founded in 2016, manages assets valued at over $4 billion and oversees a real estate portfolio exceeding $45 billion across markets including Egypt, Cyprus, Greece, Pakistan, the UAE, and Iraq. Its projects range from Ayia Napa Marina in Cyprus to Bayn in Abu Dhabi, often focusing on locations others overlook. Yubi, meanwhile, was set up in 2020 and has facilitated more than $36 billion in credit globally, backing its platforms with investors such as Peak XV, Lightspeed, and Insight Partners. Its UAE-focused B2C product, Yubi Mortgage, is its latest bet on simplifying property-backed lending in the region.

Will this partnership completely change how people buy homes overnight? Probably not. But if it trims weeks off approvals and spares buyers repetitive bank visits, plenty of people will be chuffed to bits. And believe it or not, that kind of small, definatly practical innovation is sometimes what moves an entire market forward.

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