Abu Dhabi Finance

Abu Dhabi Finance is an Abu Dhabi-based finance company that specialises in home financing. It was set up to help residents and investors buy property, at a time when Abu Dhabi was opening its real estate market and introducing freehold ownership in investment zones.

Its products have included mortgages for completed homes and financing for off-plan properties, along with Islamic home finance structured according to Sharia principles.

Specialist mortgage lenders can sometimes be more flexible than banks, offering products tailored to particular property types or customer groups.

Home financing in the UAE is regulated by the Central Bank, which sets rules such as maximum loan-to-value ratios. For example, first-time buyers who are expatriates typically need a larger down payment than UAE nationals.

Buyers usually compare interest or profit rates, fees, early settlement charges, insurance requirements and the maximum loan they can get.

Abu Dhabi's property market has grown with new communities on Yas, Saadiyat, Reem and Al Raha, creating demand for home finance.

Startups UAE lists Abu Dhabi Finance among the UAE's home finance providers.