We at Independent give mortgage advice, all under one roof. We guide and assist clients to find the best mortgage product packages that are available in the mortgage market today. This helps clients to save money, time and other complications going through a residential and mortgage application.
The advantage of Independent is that we deal with numerous professional Lenders across the UAE. We will undertake mortgage applications and manage loans quickly without cutting corners when it comes to rates, features and customer service. Providing financial consulting services is our only business.
Our Mortgage Loan process, Step by Step
A mortgage loan shouldn't take that long to acquire. The following steps will help guide you through the loan process from completing an application to finalizing on your new home. With our experienced mortgage professional officers, the home financing process is simple and hassle-free.
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Why we can help you
Independent is a mortgage broker that offers a wide range of different bank and non-banks mortgage loan products. Since we do not belong to any credit providers, we can choose the right product for the clients, regardless how simple or complex a client´s circumstances are.
We assist our clients to:-
Guide the best mortgage - when a client decides to buy a home or refinance a mortgage, it´s a big step. Clients can trust us to find the loan program that´s best for them, a tailor made mortgage loan.
Finding a new property - is a source of anxiety, frustration and a huge sense of accomplishment. They don´t pick the property that was best for someone else, they pick the one that´s right for them. Getting the right mortgage loan is like getting the keys to their new property. We can help them to get there.
Refinancing a current mortgage - has never been easier. We can make it worry-free to reduce the loans interest rate and monthly repayments. With our expertise, we can help clients to pay their balance more quickly and guide them to the very best refinance mortgage loan.
Utilising the property equity - is easier then ever before. Should there be a property where it´s been fully paid for or the mortgage is loan free, and the property´s value has risen, then we can source the best mortgage loan from the lender to suit their personal financial needs.
How we can help you
When clients need a loan, we help our clients navigate through the various mortgage and loan products available in the market today, to find the one that best suits their current needs. While Independent is a finance mortgage brokerage firm based in Dubai, we assist clients wherever they live and they can use us from anywhere in the world.
Latest news
Independent opens its doors to the world
To go along with this occasion, Independent Finance is launching its website (www.independentuae.com). You can use the Independent website to as your portal to the mortgaging world in the UAE: apply for a loan, research loan information, calculate loan payments and find out information about property developers and which banks deals with them. Over the course of the next few months Independent will be adding plenty of features, so visit often! (Read the full news article)
Read more newsWhile deciding on a mortgage, you may want to know about:
Standard Variable Rate Loan - This is the most popular mortgage loan in UAE. The interest rates on these loans vary at anytime depending on the market forces. The features of a Standard Variable Rate Loan vary dependant on the individual lender but these loans generally offer an offset facility, no limits on early additional repayments and in most cases with a fractional early pay-out penalty fees depending on the mortgage lender's fees and charges policy guidelines.
Fixed Rate Loan - Are funds lent over a set of times at a set interest rate. This gives the borrower the certainty of knowing exactly what their monthly repayments will be should their circumstances change. Some mortgage lenders may impose early repayment penalties if client makes a lump sum reduction to the loan or pay the loan out in full. However a Fixed Rate Loan is ideal in a rising interest rate market as these guarantees the clients of their interest rate and repayments for a set period of time.
Go to the Loan Information page to learn more