Tailored Financing Solutions for Every Property Journey
Our services
1) Purchase (Home/Investment)
Eligibility:
UAE residents & non-residents welcome
Minimum income typically AED 15K (bank-dependent).
LTV up to 80% for residents on primary homes and 60% for secondary properties.
Clean credit history (AECB), stable income
Documents needed:
Passport/Emirates ID/visa copy
Salary certificate or trade license + bank statements (3–6 months)
Proof of address/tenancy
Property details: SPA/MOU, title deed or Oqood (as applicable)
Typical rates & fees (guide):
Fixed or variable/profit rates available
Processing, valuation, and insurance (life/property or Takaful) fees may apply
Timelines:
Pre-approval: 3–7 working days (complete docs)
Final approval & disbursal: 1–3 weeks, depending on developer/title
Our services
Refinance & Buyout (Lower Your Monthly EMI)
Switch to a better rate or shorten your term. We calculate break-even and handle the paperwork so you save more with less hassle.
Eligibility:
Existing UAE mortgage with clear repayment history
Property in good standing; no major arrears
Acceptable AECB score/income coverage
Documents needed:
Property title deed
Salary docs/trade license + bank statements
Property valuation (arranged via new lender)
Typical rates & fees (guide):
Competitive fixed/variable profit options
Early settlement/exit fees from your current bank may apply (Max 10K).
New bank processing + valuation + insurance as applicable
Timelines:
Offer & valuation: 1–2 weeks
Transfer/settlement: 2–3 weeks (depends on existing lender)
Our services
Equity Release (Unlock Property Cash)
Tap your home’s built equity for renovations, investments (Gold or Bitcoin), or cash flow—without selling.
Eligibility:
Clear title or sufficient equity margin
Stable income and satisfactory AECB score
LTV caps vary by bank and profile
Documents needed:
ID & income docs, bank statements (3–6 months)
Title deed & valuation
Tenancy (if rented) or proof of residence
Typical rates & fees (guide):
Similar to purchase/refinance rates
Standard processing/valuation/insurance costs
Timelines:
Approval & valuation: 1–2 weeks
Disbursal: 1–3 weeks post-approval
Our services
Commercial Property
Eligibility:
Active company with audited/management financials
Acceptable DSCR & sector risk
Asset type/location within bank policy
Documents needed:
Trade license, MoA/Share certs
Last 6–12 months bank statements + financials
Property docs: title/Oqood/SPA, tenancy (if income-producing)
Typical rates & fees (guide):
Pricing based on risk, tenor, collateral
Processing/valuation/legal costs apply
Timelines:
Indicative term sheet: 5–10 working days
Full approval & disbursal: 3–5 weeks (docs & valuation-dependent)
"Great service! They got me a better rate than my bank and made the whole process easy — and it didn’t cost me anything."
— OLIVIA R., Dubai Marina
