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Abu Dhabi Finance Essence Mortgage

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Abu Dhabi Finance Essence Mortgage


  • Abu Dhabi finance essence mortgage is applicable to residential properties in Abu Dhabi and Dubai only.
  • Finance up to 85% of the property value if you’re a UAE National, and up to 80% if you’re a UAE Resident.
  • Wide range of properties from our approved list of developers and developments across Abu Dhabi and Dubai.
  • No Salary Transfer Required.
  • Pay off up to 30% of the outstanding balance each year free of charge.
  • Finance to all types of professions and the size of the company.
  • Avail Payment holiday once a year at no cost with Abu Dhabi finance essence mortgage.


  • Minimum Salary Requirement: AED 10,000 for UAE local and AED 20,000 for Expats
  • Minimum Length of Service Required: 6 months for salaried & 2 years for self-employed
  • Salary Transfer: Not compulsory.
  • Minimum Down payment: 20% for UAE Local and 25% for Expats.

Documents Required

Basic Documents:  

  • Valid Passport, Visa, and Emirates ID Copy.
  • Offer letter copies of all personal ongoing finance.
  • Property documents (If the property is finalized or equity release).
  • Liability letter (In case of Buyout only).
  • Relevant property documents.

For Salaried:

  • Latest salary certificate addressed to ADF Bank.
  • Latest 6 months personal bank statement.
  • Six months payslips if there is variance in salary.

For Self-Employed:

  • Valid trade company license.
  • MOA (Memorandum of Association) including all amendments.
  • Latest 6 months personal bank statement.
  • Latest 6 months company bank statement.
  • Audit financials of the last 2 years.
  • Offer letter copies of all company ongoing finance (for self-employed).

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