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New Purchase

Buying a home is exciting but it may become tricky if you require a Mortgage. Whether you are searching for your first property or later, at Financify we aim to turn your property aspiration into reality based on our skillset and experience

Mortgage can be difficult especially if customers

  • Have complexities in their profile
  • Are not sure which lender / Financial Institution is best suited
  • Need to move quickly

This is where Financify steps in as your Mortgage Broker. We take away all documentation, approval and property transfer hassles and provide seamless and pleasant experience to our customers whether they are salaried, self-employed or corporates and can handle all sort of residential and commercial property transactions

Financify has an excellent relationship with all major lenders in UAE which gives us a leverage to better serve our clients than others. We ensure that mortgage applications are submitted to lenders with complete documentation and information for quick Pre-Approvals.

Remortgage & Equity Release

Remortgage refers to the process of replacing an existing mortgage on a property with a new mortgage either from a different Lender / Bank or renegotiating the terms of your current mortgage with your existing lender / Bank. There are number of reasons why customers choose to remortgage

  • For Securing better interest Rates: Customers opt this option if they may coming to an end of their fixed term mortgage and would like to avoid expensive variable interest rate or if interest rates are generally reduced in the market.
  • To get Equity: If the value of the property has increased or customers have paid a large portion of their mortgage, remortgage option can be utilized to get excess cash to invest into additional property.
  • To Change Existing Terms: If customers would like to switch from variable interest rate to Fixed term interest rate, would like to reduce or increase the tenor or change existing terms such as partial settlement or floor rates, remortgage option is available.

With specialists like Financify, whether customers want a lower interest rate, more flexible terms or additional borrowing, we ensure to provide access to a much better remortgage deal on the basis of our extensive experience and strong relationships with UAE lenders.

Mortgage for Handover Properties

Off-plan sales (Properties that are still under construction or in the planning phase) have increased exponentially in UAE over the years. It is estimated that more than 50% of total property sales in UAE is off-plan which makes “Handover Mortgage” extremely important for Resident and overseas customers.

Handover Mortgage referred to Mortgage options available to customers for their properties upon completion of construction and the transfer of ownership from the developer. Typically, developers require customers to pay 40% – 60% on a payment plan and remaining at the time of handover.

Financify, has successfully served hundreds of customers (Both Residents and Overseas / Non Resident) with Handover Mortgage which makes us a specialist in this area as well.  

Overseas Mortgage

UAE has a thriving real estate market that attracts foreign investors and individuals seeking to purchase property in the country due to which Overseas Mortgage are in great demand.

Mortgages for overseas customers, also known as Mortgage for Non-Residents, are specialized loan options designed for individuals who are not residents or citizens of UAE but would like to purchase a property in UAE. These mortgages cater to the unique needs and circumstances of customers who wish to invest in real estate abroad.

There is no “One Size Fits All” phenomenon for Non-Resident Mortgages and that’s where Financify will come to help. We evaluate our customers financial viability and suggest relevant solutions. We ensure that our customers get best in class service with minimal or no hassle so that they can enjoy the purchase of their international property.

Shariah-Compliant / Islamic Home Loans

UAE being an Islamic country has a huge demand for Shariah – Compliant Home Loans. These financial products provide home ownership to customers while adhering to Shariah Principles either through

  • Murabaha (Cost Plus Profit arrangement with Buyer)
  • Musharaka (Partnership between Bank and Buyer)
  • Ijarah (Rental agreement with Buyer)

Contractually these products are different from Conventional Mortgage but banks don’t usually differentiate commercially, which means interest rates, fees / charges and other terms are same. There are number of banks that either offer only Islamic Mortgage or both and Financify can get you solutions from all . It is not mandatory that only Muslims can avail Shariah-Compliant Home loans hence a major portion of our portfolio are with Islamic Banks.

Building Finance

UAE is a centre of attraction for domestic and international investors due to many reasons such as Potential for capital appreciation, high rental income, tax benefits, quality of life and others.

Several investors are interested to buy residential / commercial buildings to either earn rental income or sell individual apartments / offices for higher ROI. The process to obtain mortgage for a building in the UAE can be quite complex and requires careful consideration of various factors and it is recommended to seek expertise of professional mortgage brokers such as Financify

We at Financify, can help you with such transactions by not only arranging mortgage from a UAE based lender but will also help you to find an appropriate building with suitable rentals if required.

Buy to Let Mortgage

A buy-to-let mortgage is a type of mortgage specifically designed for individuals who want to purchase a property with the intention of renting it out to tenants. Being a whole market brokerage with excellent real estate agency relationships, we can assist clients with end to end transaction.

Whether you are looking to secure the cheapest rates or are simply looking for more information about buy-to-let mortgage criteria, at Financify, we can provide expert advice based on our industry knowledge and experience. We can guide you through the process, help you compare offers from different lenders, and ensure that you make an informed decision based on your financial circumstances and investment goals.

House Construction Finance

High Net Worth (HNW) clients in UAE often want custom houses rather purchasing a unit from developers. Banks and Financial Institutions do offer financial products for such constructions but structurally these products are relatively complex than vanilla mortgage loans.

At Financify, we have experts specifically for such complex products who can guide and help to achieve your dream to construct your house the way you want it.

Office # 402C, Aspin Commercial Tower, Sheikh Zayed Road, Dubai
info@financify.ae
+971521078290

+971521078254

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