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ADF Application Process Guide

  1. Meet one of our expert Mortgage Advisors and discuss your mortgage requirements. The Mortgage Advisor will explain our products and their benefits to you.
  2. You will be provided a personal ‘Illustration’ indicating your monthly repayments, term and interest rate.
  3. Complete the Mortgage Loan Application Form and Loan protection Insurance proposal form – your Mortgage Advisor will be pleased to help you with this. If the property is a completed villa or townhouse, Building insurance will also be required
If you have already purchased a UAE property, the following will take place:
  1. We will make an assessment of your financial circumstances in conjunction with your chosen property.
  2. For all properties we will arrange a valuation.
  3. Following our review of the valuation report, your Mortgage Advisor will advise you of the amount we can lend you for your specific property.
  4. Your Mortgage Advisor Companion will then meet you to explain the offer pack, witness your signature, and advise you of the next steps.
If you have NOT yet purchased a UAE property, the following will take place:
  1. An assessment is made of your financial circumstances and we will advise you how much we can lend you subject to the property you purchase
  2. When you find a property, submit the appropriate property documents.
  3. For all properties we will arrange a valuation.
  4. Following our review of the valuation report, your Mortgage Advisor will advise you of the amount we can lend you for your specific property.
  5. Your Mortgage Advisor will then meet you to explain the offer pack, witness your signature, and advise you of the next steps.