GEMS Education has teamed up with SPF Private Clients, the award-winning mortgage brokerage established in London in 1997 and now fully operational in Dubai, U.A.E.

Benefits when using SPF Private Clients:

Valuation fee refund for loans over 1mil
0.20% cashback on their mortgage balance for loans over 1mil (Up to a maximum of 10,000 AED)

SPF are whole-of-market, giving you access to far more options in the U.A.E than if you were to go direct to your bank. They are experts in all areas of property finance, including; purchase, buy out, equity release and investment. Their advisers will carry out a full market review to ensure you are getting the best option possible, potentially saving you money on your mortgage.

SPF work alongside lenders at all levels to create products that work with all pay structures, whether employed or self employed. By doing this, they are able to offer a bespoke service and give you peace of mind and confidence that you are getting the best product for your individual circumstances.

Clients from the GEMs network will not be charged an SPF broker fee upon completion of the mortgage alongside benefitting from seasonal cashback offers.

Overview of what we do

SPF has access to the decision makers at the banks.

This allows for applications to be assessed quickly and for swift turnaround times to be met.

SPF has experience in dealing with clients who have variable salary structures.

This includes overtime, commission and annual bonuses. We will know which lenders to approach and what their criteria is when it comes to income.

SPF will know which lenders to speak to in order to maximise borrowing.

Our knowledge and strong relationships with the banks means we know their lending criteria inside out, so we will know who to approach for the most suitable solutions.

SPF can help you if you are a non-resident.

We are adept at advising clients with their mortgage requirements prior to them moving to the UAE.

SPF can obtain pre-agreements.

It is imperative to have a pre-agreement, due to financial and legal risk of signing MOU upon the offer being accepted. Pre-agreement can be obtained in as little as 24 hours.

SPF will guide you through the property search.

With demand for property at its highest level in years, it’s crucial that you start the mortgage application process as soon as possible. This will put you in a much better position to offer on a property. SPF can act quickly and will guide you through the whole transaction from start to completion.

SPF will liaise with all third parties involved on your behalf.

Your time is precious, therefore we will take care of the mortgage application and will liaise with the conveyancers, agents, vendor and lender on your behalf.

SPF has access to a wide range of rates, including bespoke arrangements.

Due to our excellent lender relationships, we have access to competitive rates which cannot always be achieved by approaching the lender direct.

You will have access to our wider network.

We work with a number of trusted agents, conveyancers, FX companies, surveyors and banks. We are more than happy to introduce you to these people.