Q& A: Are there any Islamic banking finance formats that are particularly useful to refinance a mortgage, i.e. by switching from a conventional to Islamic financing?

Author: 4C Mortgage Consultancy | Category: Blogs | Date: March 27, 2016

      We are watching the market since long and now in 2016 willing to do our first real estate investment. But not sure whether to buy a house to live on or use as the investment property, kindly advise me what the benefits of buying as an investment are? And how you perceive Read More...

Of mortgage and standard variable rates

Author: 4C Mortgage Consultancy | Category: Blogs | Date: March 13, 2016

  We all comprehend that mortgage is a long-term commitment; hence, we need to strategically plan the route. With most banks in the UAE offering initial fixed term periods thereafter providing options for standard variable rates (SVRs), it becomes vital to understand the implications of floating rates as these cover a major portion of the Read More...

Analyst Says- 70% of Dubai projects facing delays

Author: 4C Mortgage Consultancy | Category: Property News | Date: February 10, 2016

  Amid slowing market conditions, government spending cuts and continued oil price decline, a number of realty projects in the UAE won’t be completed as scheduled this year, an industry consultant has said.   Real estate investment and advisory firm JLL estimated that the delivery of some 18,200 residential units in Dubai won’t come as Read More...

Calculate Wisely before taking a Mortgage

Author: 4C Mortgage Consultancy | Category: Blogs | Date: January 27, 2016

      Buying a new property or refinancing the existing mortgage in the UAE can be confusing, especially when you have a list of home loan products available from both local and international financial institutions. Here are some handy tips which one should consider before taking a mortgage in Dubai.     Shop around Read More...

Benefits of hiring a Mortgage Consultant

Author: 4C Mortgage Consultancy | Category: Blogs | Date: January 19, 2016

  Buying a home is likely to be one of the enormous purchases and when we support that with mortgage finance, it’s always judicious to enlist the service of an independent mortgage consultant or a mortgage broker, who can lead you to make an informed financial decision in life. Mortgage Consultant helps to find the Read More...

Impact of Mortgage Regulation in 2015

Author: 4C Mortgage Consultancy | Category: Blogs | Date: January 12, 2016

  The future builds on the foundation of the past. Well, the same has been demonstrated in 2015 and would be chronic in upcoming years, as certain regulations which were restructured in the past by the regulators have started coming into effect.   However, the fundamentals remain strong with the healthy market correction and this Read More...

8 % increase in total real estate transactions in 2015

Author: 4C Mortgage Consultancy | Category: Property News | Date: January 10, 2016

  Dubai Land Department’s released its annual report on Saturday, and it showed real estate transactions recorded in the emirate last year exceeded Dh267 billion.   The report showed an 8 per cent increase compared to last year with 63719 total transactions.   Sultan Butti Bin Merjen, Director General of DLD, said: “These quarterly reports Read More...

Early Repayment of Mortgage

Author: 4C Mortgage Consultancy | Category: Blogs | Date: December 27, 2015

  Regardless of what you owe, zeroing out the housing costs is a smart move. Sales prices have plummeted as much as 30 to 40 per cent since the year 2011-2012 and current interest rates are at a remarkable low at around 2.99 per cent fixed for 2 years.   As a result, today many Read More...

Rates still favour UAE’s mortgage buyers

Author: 4C Mortgage Consultancy | Category: Property News | Date:

  The US Fed may have raised the base rate, but it’s not by a margin to start hurting UAE’s mortgage takers. A 0.25 per cent increase is something they can take in their stride. And continue to do so as long as the US Federal Reserve keeps hiking its interest rate only by a Read More...

Things to Consider- When Buying a House

Author: 4C Mortgage Consultancy | Category: Blogs | Date: November 22, 2015

  For most people, buying a home means the biggest purchase they will ever make. And having a home is together a combination of lifestyle, affordability, and a long term investment decision and definitely, the numbers support this decision.   Buying a property can be an enormous investment hence it should be done with great Read More...