FAQs
Questions we hear often.
Short answers, with links to more detail. If yours isn’t here, ask an advisor.
Eligibility
Some lenders finance eligible non-residents. Terms depend on your residence, income, documents and property. See non-resident financing.
Yes, subject to lender assessment. Expect to provide business records, statements and evidence of income.
Lenders set age limits by the end of the term, which can shorten the available term. The Central Bank maximum term is 25 years.
Deposit and costs
It depends on your category, the property value, purpose and the lender. Use the calculator for a first estimate. Purchase fees are additional.
Down payment, registration fees, mortgage registration, lender fees, valuation, any agency fee and insurance.
Generally, no — the deposit should come from your own funds.
The process
No. Pre-approval is initial and conditional. Final approval follows valuation and the lender’s remaining checks.
It varies by lender, property and how quickly documents are ready. We’ll give you a realistic timeline for your case.
Mortgage types
Yes. We help you explore suitable Sharia-compliant options. See Islamic home finance.
Yes. See handover financing.
Yes, for individuals and companies. See commercial financing.
Existing borrowers
Your agreement sets the follow-on rate, which may move with a benchmark. Reviewing before it ends helps you compare options.
Possibly, depending on valuation, any outstanding loan and affordability. See equity release.
Retention’s service
Ask an advisor for the fees that apply to your case. We’ll explain them before you decide to proceed.
Yes — we can help you review your mortgage before your fixed period ends and when your needs change.
Still need help?
Tell us what you’re planning and an advisor will explain your options.