Refinancing

Refinancing banner

Internal Refinancing: Enables you to arrange new financing terms such as currency, amount and term of your existing Bridge Apex Home Loan. External Refinancing: provides financing to take-over existing home loans from other financial institutions. Cash-Out Refinancing – enables you to access extra money if the value of your property has appreciated over the years.

Some Benefits of Home Loans

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Loan Choices

Choose from 6 different home loan products
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No Limits

No maximum loan amount (totally dependent on income)
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Best Value

Competitive variable interest rate in all currencies
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Your terms

Choose to repay your loan at the pace you're comfortable with
Repayment conditions and Insurance
  • Loan must be repaid in full over an agreed period by:
  • Standing order from a Bridge Apex salary account
  • Direct payroll deduction by employer (Workplace Banking Schemes).

Insurance

  • On approval of your home loan, you need to take out compulsory life insurance and property insurance against fire and other perils.
  • Work for any Bridge Apex profiled organisation
  • Earn a minimum net salary of 2,000 or USD1,500 a month
  • Be permanently employed
  • Be a high net worth individual considering buy-to-let options
  • Be over 21 years and under 60 years by the end of the loan term.
  • Complete a Home Loan Application form and provide the following supporting documents:
    • Proof of income – past three months’ payslips
    • Proof of past two years’ employment
    • Proof of identity – passport, driver’s licence, Voter’s Identity Card
    • Proof of residence
    • Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)
    • Bill of quantities, building plan and permit (for home improvement and developer construction)
    • Property title documents (To begin title search)
    • A Valuation Report from one of our approved valuers will also have to be given to us
    • Loan will be approved subject to a positive credit bureau report
  • Repayment conditions and Insurance
  • Loan must be repaid in full over an agreed period by:
  • Standing order from a Bridge Apex salary account
  • Direct payroll deduction by employer (Workplace Banking Schemes).

Insurance

  • On approval of your home loan, you need to take out compulsory life insurance and property insurance against fire and other perils.
  • Work for any Bridge Apex profiled organisation
  • Earn a minimum net salary of 1,500 a month
  • Be permanently employed
  • Be a high net worth individual considering buy-to-let options
  • Be over 21 years and under 60 years by the end of the loan term.
  • Complete a Home Loan Application form and provide the following supporting documents:
    • Proof of income – past three months’ payslips
    • Proof of past two years’ employment
    • Proof of identity – passport, driver’s licence, Voter’s Identity Card
    • Proof of residence
    • Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)
    • Bill of quantities, building plan and permit (for home improvement and developer construction)
    • Property title documents (To begin title search)
    • A Valuation Report from one of our approved valuers will also have to be given to us
    • Loan will be approved subject to a positive credit bureau report