Mortgages Tailored for A Simplified and Transparent Process

Why us?

At Vault tree we understand the process of accessing mortgages can be challenging whether it is investing in a commercial space or a dream home. Partnering with some of the most reputable institutions in the lending industry that makes it possible to provide solutions that align to your requirements. Our team of experts will guide you through the process whether it is for a new purchase or a resale purchase and get you various financing options that would suit and align with your financial needs and realize the endless possibility for you as an individual or institution achieve your financial goals. Weather you planning to purchase a property as part of an addition to your existing portfolio or looking for personal or long-term investment. our team of mortgage consultants are here to help you plan and take care of all the heavy lifting involved.

Up To 0 %

Finance of the property value for

Expatriates

Up To 0 %

Finance of the property value for

Non-residents

From 0 .75%

Interest rates

per annum

Mortgage Loans

Having challenges on how to own a property???
This is where a mortgage can be of great help, enabling you to purchase real estate without having to outlay a huge amount of cash flow upfront and making sure your finances are kept balanced.

Insurance Tax

  • Tax Premiums
  • Coverage Tax
  • Insure Levies
  • Policy Fees
  • Deductible Levies
  • Strategic Planning

  • Plan Alignment
  • Strategic Vision
  • Goal Mapping
  • Tactical Insight
  • Planning Precision
  • Audit & Assurancy

  • Compliance Check
  • Assurance Review
  • Audit Precision
  • Risk Evaluation
  • Financial Oversight
  • Home Loan

    Whether a Ready to Move or off plan home or Commercial Property

    Loan Buyout

    Are you paying too much on an existing mortgage in the UAE? Examine your principal against interest repayment let us help you save your interest repayments.

    Refinance / Equity Release

    The Refinance/Equity Release department has experienced a significant upswing, propelling the mortgage business to unprecedented heights, owing to the economy resulting from increased equity embedded in the value of existing real estate.

    Mortgage Loans

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    Home Loan

  • Rady to Move Property financing
  • Under-construction Property Financing
  • Commercial Property Purchase
  • Buyout

  • Balance Transfer
  • BT+ Equity
  • Equity Funding

  • BT+ Equity
  • F.A.Q

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    • Dedicated officer allocated to ensure hassle free documentation gathering process required to apply for a loan.
    • Personalized Navigation through every stage of loan process.
    • Much wider access with multiple lenders as per the tailored requirement.
    • Potentially save your Time, Effort and Money.

    Keep in mind

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    Documents Required

    SR NoSalariedSelf-employed
    01Completed application formCompleted application form
    02Preposed Property Documents and source of Down PaymentProof of booked property (if any) Declaration of source of down-payment
    03Valid Passport, Visa & EIDA Card copyValid Passport, Visa & EIDA Card copy
    04Last 6 months bank statements copyLast 6 months bank statements copy for both personal and company accounts
    05Salary Certificate, issued to ADCB and dated 30 days or less from date of loan applicationLast 2 years audited financial statements copy (For loan value greater than AED 2.5 Million)
    06Salary transfer letter (if transferring salary to ADCB)Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates)
    07Details of existing loans/liabilitiesDetails of existing loans/liabilities

    Get In Touch

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    Expert Advisor

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    Tax Consulting

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    Financial Planing

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    AED

    5%

    1%

    5%

    AED
    AED

    AED1421

    Monthly Payment

    Principal & Interest AED1421

    Monthly Taxes AED1421

    Monthly HOA AED1421

    Monthly Insurance AED1421

    Types of Home Loans in UAE

    The types of home loans available in the United Arab Emirates are broadly categorized as follows:

     

    Fixed-Rate Home Loan: During the course of the loan, the interest rate on a fixed-rate home loan stays constant. This kind of loan is good for people who wish to arrange their finances ahead of time because it offers consistency and predictability in terms of monthly payments.

    Variable-Rate Home Loan: Under this type of loan, the interest rate may fluctuate over the course of the loan term in response to changes in the market. Interest rates on this kind of loan are flexible and may increase or decrease based on the state of the market.

    Islamic Home Financing: Based on the tenets of Islamic finance, Islamic home financing—also referred to as Sharia-compliant home financing—is a form of funding. This kind of home financing is arranged as a partnership between the borrower and the bank and is free of interest (riba).

    Do you find Buyout Loan in Dubai stressful?

    VAULTTREE is able to assist! It can be annoying to deal with every step of the loan buyout (LBO) process. Purchase loans in Dubai, United Arab Emirates, are becoming so popular that they are now being offered at extremely high interest rates. In addition to having a large number of mortgage brokers, VAULTTREE is the top mortgage brokerage service provider in Dubai because we give prospective clients access to these extra funds with lower monthly payments.

    Refinance / Equity Release

    Do you need a bigger new mortgage than you currently have in order to convert the equity in your home into cash?

    Our team of experienced mortgage brokers in Dubai, VAULTTREE is eager to present you to the Refinance and Equity Release programs provided by a number of reliable banks. With your home equity, you will be able to obtain the necessary lump sum cash to meet your needs. Your dream house could be yours with just one small approval in the Principle document. No matter how complicated the circumstances,VAULTTREE   knowledgeable mortgage brokers in Dubai will offer you competent support for all of your mortgage-related implementations. Tasks that should take months to finish are finished in just one week. There’s a reason why they’re the best mortgage brokers in the UAE!

    Benefit

    Documents Required

    SR NoSalariedSelf-employed
    01Completed application formCompleted application form
    02Preposed Property Documents and source of Down PaymentProof of booked property (if any) Declaration of source of down-payment
    03Valid Passport, Visa & EIDA Card copyValid Passport, Visa & EIDA Card copy
    04Last 6 months bank statements copyLast 6 months bank statements copy for both personal and company accounts
    05Salary Certificate, issued to ADCB and dated 30 days or less from date of loan applicationLast 2 years audited financial statements copy (For loan value greater than AED 2.5 Million)
    06Salary transfer letter (if transferring salary to ADCB)Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates)
    07Details of existing loans/liabilitiesDetails of existing loans/liabilities