Once again great reply Big Mountain! I owe you a beer or something!
I literally just got off the phone with ADIB, and I'm quite impressed so far.
4.49% floating rate
No pre application or process fees
No fire insurance
And no life insurance if you borrow 3.5m aed or less
Early settlement 0 if you sell, 3% if you close it early on own
Buy out fee of 3%
Can overpay by 30% per year with no penalties
My only concern is the buyout fee, if you remortgage you have to pay 3% on what's owing.
The only other deal that's near this is mashreq
All very similar but charge for pre approval and processing fee + property and life insurance
I will call UAB see how I get on
Thanks again
ER