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FAQ - International Mortgage Services

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Questions

  1. Who can apply for an ADCB UK Mortgage?

  2. What is the minimum income requirement?

  3. Do I need to be an existing ADCB account holder to apply for a mortgage loan?

  4. Do I have to transfer my salary to ADCB to get an ADCB Mortgage?

  5. For what purposes does ADCB offer mortgage finance for?

  6. What is the criteria for being assessed as a High Net Worth Client?

  7. If I do not qualify under the HNW criteria, can I still apply for a loan to buy a property in the UK?

  8. What is the maximum term that the mortgage loans are available for?

  9. How do I apply for an ADCB UK Mortgage?

  10. Can I have a co-borrower on the loan? Is it mandatory?

  11. What currency will I have to repay the mortgage loan monthly payments in?

  12. How many properties can be financed by ADCB International Mortgage services and what is the maximum loan amount?

  13. What is the Loan to Value parameters for a first property, second or Investment Property? Does ADCB finance under construction properties as well?

  14. Is there a minimum and maximum age requirement?

  15. What is the interest rate offering?

  16. What are the various fees and charges associated with the application?

  17. Are there any legal fees and if so, what is an estimate of these?

  18. What will my monthly payments be?

  19. What documents do I need to apply for a mortgage loan?

  20. What are the insurance requirements for ADCB UK Mortgage loan applicants?

  21. Does the bank provide Bridging Loans?

  22. What if I would like to make prepayments on my loan?

  23. Who would do the valuations on behalf of ADCB? Is a valuation the same as a survey ?

  24. Does ADCB lend for properties throughout the UK ?

  25. How much would my down payment need to be ?

  26. What are the principal features of an ADCB mortgage loan ?

  27. How is interest calculated ?

  28. When do I start my monthly payments ?

  29. How can I request details of my existing loan (i.e. outstanding loan amount, current rate of interest applied, and current monthly installment calculation) ?

  30. Can I defer my mortgage loan payment ?

  31. What if I am no longer a UAE resident however I am still holding an ADCB mortgage loan; will the terms of my loan change or will I need to settle my loan ?

  32. Can I reschedule my existing mortgage loan ?

  33. What is the procedure for loan settlement ?

  • Contact Us
  • ATMs / Branches

Call - 800 2030 (Within UAE)

+971 2 6210090 (Outside UAE)
+971 4 3684582 (Existing Customers)

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