Mortgages
About Us
Home Bridge Finance is a Financing Brokerage firm based in Dubai, U.A.E with the ability to service both local and international clients. We specialize in offering bespoke financing solutions coupled with the highest level of customer service to meet our clients’ requirements.
Why Choose Us?
- We are Subject Matter Experts with extensive industry experience.
- Our clients get access to a vast network of lenders and investors both locally and internationally.
- We work tirelessly to make sure you have the money available with you when you need it.
Products
Home Mortgages
Buy-to-Let Mortgages
vDebt Restructuring
and Consolidation
Business Loans & Investments
Home Equity Release
Off-Plan Mortgages
Construction Financing
Mortgage Buyouts
Non- residenT Mortgages
Project Financing
Mortgage Eligibility Criteria
Salaried
Self-Employed
Rental - Income
Age Range
Minimum Income
Property Type
18-65 Years
AED 10,000/month
Free Hold/ leasehold
18-70 years
On Case basis
Free Hold/ leasehold
18-65 years
On case basis
Free Hold/ leasehold
Other
As per central bank and lending institutions policies
Mortgage FAQs
For Expats and Non-UAE Residents:
At least 25% of the property value for your first active mortgage and at least 40% of the property value for every active mortgage thereafter, as long as the property value is below AED 5 million.
At least 35% of the property value for your first active mortgage and at least 40% of the property value for every active mortgage thereafter, for all properties valued at AED 5 Million and above.
Note: A borrower cannot avail the benefits of the first active mortgage in both the aforementioned segments simultaneously.
For U.A.E. Nationals:
At least 20% of the property value for your first active mortgage and at least 35% of the property value for every active mortgage thereafter, as long as the property value is below AED 5 million.
At least 30% of the property value for your first active mortgage and at least 35% of the property value for every active mortgage thereafter, for all properties valued at AED 5 Million and above.
Note: A borrower cannot avail the benefits of the first active mortgage in both the aforementioned segments simultaneously.
Borrowers have to pay a fee, ranging from AED 2,500 to AED 3,150, to the banks at the time of evaluation of the property. Also, a processing fee of up to 1.05% of the loan value is charged by the banks at the time of final approval to process the loan.
Many banks also charge a pre-approval approval fee of up to AED 3,150, which may or may not be adjusted towards other aforementioned fees at the time of loan disbursal, depending on the bank.
Salaried employees can borrow up to the age of 65 years and self-employed individuals can borrow up to 70 years of age, with the constraint that no mortgage loan tenure can exceed 25 years in length.
Mortgage tenures can also be as little as 4-5 years, as long as your eligibility and the bank’s policy permits.
The borrower can choose to do so by paying the balance loan amount, exclusive of future interest, and in addition to a minimal early settlement fee, as mentioned in the final offer letter from the bank.
Most banks allow early settlement of a percentage the balance loan amount every year without additional charges. These percentages may be different for different banks.
No, this is not required.
No, this is not required.
No, you do not, as long as you are able to make your regular monthly installments without having to default to a point that the bank has no choice but to foreclose your property.
It does not affect your mortgage, as long as it does not affect your ability to furnish your regular monthly installments.
Yes, you can, and we can help you with it.