SERVICES | Financial Services UAE | Galaxy Prime Mortgage

Investment Property Loans

Investment property loans are designed for individuals or businesses looking to purchase properties specifically for rental income or future resale. These loans allow you to capitalize on the potential returns from real estate by acquiring single-family homes, multi-unit buildings, or commercial properties with the intention of generating passive income or selling for a profit once the property appreciates in value.

Compared to residential mortgages, investment property loans typically come with higher interest rates and stricter terms. This is due to the increased risk associated with investment properties, as they rely on rental income or resale value to secure the loan. Lenders may require a larger down payment and more extensive financial scrutiny to ensure that the investment is viable and the borrower can manage potential vacancies or market fluctuations during the course of the loan.

Islamic Home Finance

Islamic home finance is offered by Islamic banks or the Islamic windows of conventional banks, providing an alternative to traditional mortgages. These financing options are structured in a way that avoids charging interest, aligning with Islamic principles that prohibit Riba (usury). The most common structures include Murabaha (cost-plus financing) and Ijara (leasing), both designed to ensure that the financial transactions comply with Sharia law while allowing individuals to purchase homes.

Islamic home finance involves profit-sharing or lease arrangements. In a Murabaha structure, the bank buys the property and sells it to the borrower at a marked-up price, which is paid in instalments. In an Ijara structure, the bank leases the property to the borrower with the option to purchase it at the end of the lease period. These financial services UAE provide a way to secure homeownership without the use of interest, making them ideal for those seeking to adhere to Islamic values in their financial decisions.

Off-Plan Property Mortgages

Off-plan property mortgages are designed for buyers looking to invest in properties that are still under construction. This option allows you to secure a unit at today’s price, often with flexible payment plans during the building phase. It’s a popular choice for investors and end-users who want early access to high-demand developments and potential capital gains by the time the property is completed.

These mortgages typically involve close collaboration between the property developer and the lending bank. Only approved developers and projects are eligible, ensuring financial security and minimizing risk for all parties involved. Banks usually disburse funds in stages, tied to the construction milestones, offering greater control over the investment while ensuring that the project stays on track.

Commercial Property Mortgages

Commercial property mortgages are tailored for those looking to purchase office spaces, warehouses, retail shops, or other business-use properties. Whether you’re a business owner seeking to secure a permanent location or an investor aiming to generate rental income, these loans offer a pathway to long-term growth and stability. They provide an opportunity to build assets while avoiding the uncertainties of leasing commercial space.

Loan terms are typically influenced by factors such as the type of property, its projected income, and the financial standing of the borrower or business. While down payments and interest rates may be higher compared to residential loans, the potential for capital appreciation and income generation makes commercial mortgages a strategic investment option. Financing can be structured for owner-occupied or leased properties, offering flexibility to suit different business models.

Non-Resident Mortgages

If you’re a non-resident in UAE and looking for financial services UAE to invest in the local property market, this mortgage options is designed specifically for you. These loans allow international buyers to finance their real estate purchases, though they typically come with stringent eligibility criteria and lower loan-to-value (LTV) ratios—usually between 50% to 70%.

Despite the tighter terms, investing in UAE property as a non-resident can offer lucrative returns, long-term growth, and a foothold in one of the region’s most dynamic real estate markets.

Personal Loan

This type of Loan is one kind of installment credit that a lender or the bank may offer to a borrower is a personal loan. To obtain a personal loan, you must fulfill the eligibility standards set forth by the lender. If granted, your loan can be used for nearly anything, including major purchases or home remodeling. Over a predetermined length of time, you must make consistent payments to repay the loan, which typically includes interest.

If you are UAE National aged between 21 and 65 years (at the loan maturity) or if you are an Expatriate aged between 21 and 60 years (at the loan maturity).

If you are confirmed employee or with six months minimum length of service.

If you have above minimum monthly income/salary required by your desired bank.

Interest rates are determined by analyzing each person’s unique profile and credit score.

High loan amounts for residents and citizens of the UAE

Interest rates that are competitive

Repayment terms are flexible and can be as long as 48 months for foreigners and 60 months for UAE citizens.

Waiver of the minimum balance requirement for current accounts

Buy-out or transfer of a personal loan from another bank, whether or not the loan balance is increased

Home Purchase Loans

For individuals buying new or existing properties.

Available for ready-to-move-in properties and off-plan (under-construction) properties.

Loan-to-Value (LTV) ratios:
- Up to 85% for UAE nationals.
- Up to 80% for expatriates for the first property.

Refinance Mortgages

Refinancing allows property owners to replace their current mortgage with a new one often to secure a lower interest rate, adjust the loan term, or switch to a more suitable mortgage product. It’s a practical way to reduce monthly payments, save on interest over time, or improve overall loan terms to better match your financial goals.
Whether you’re looking to free up cash flow or take advantage of market changes, refinancing can offer a fresh start without the need to sell your property.

Equity Release Mortgages

If you own a property that’s fully or partially paid off, you may be eligible to unlock its built-up equity. This financing option allows property owners to tap into the value of their real estate and use the funds for a wide range of personal or business needs whether it’s renovating your home, funding a new venture, consolidating debt, or covering major expenses.
With flexible terms and competitive rates, accessing equity can be a smart way to leverage your investment while maintaining ownership of your property.

Buyout Mortgages

If you’re already have a home loan but think you could get a better deal, a mortgage transfer might be the right move. This process allows you to shift your existing mortgage from your current bank to another lender offering more favorable terms—such as lower interest rates, better repayment options, or other added benefits.

Many banks offer promotional rates and reduced processing fees to make the switch worthwhile. It’s a smart way to save money over time, lower your monthly payments, or simply take advantage of a more flexible loan structure without starting from scratch.

Home Construction Loans

If you’ve purchased land and are ready to build your dream home, the construction loan options are designed for you. These loans provide funding in phases, aligned with key stages of the building process—such as foundation, framing, and final completion.

This ensures you have the right amount of financial support as your project moves forward, making it easier to manage both your budget and your timeline.

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Comprehensive Tailored Financial Services UAE for your needs

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Comprehensive Tailored Financial Services UAE for your needs

Investment Property Loans

Islamic Home Finance

Off-Plan Property Mortgages

Commercial Property Mortgages

Non-Resident Mortgages

Personal Loan

Home Purchase Loans

Refinance Mortgages

Equity Release Mortgages

Buyout Mortgages

Home Construction Loans

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