Welcome to Home Plus Mortgage Brokers. By accessing or using our website and services, you agree to the following Terms and Conditions. Please read them carefully.

### 1. **Introduction**

[Home Plus Mortgage Brokers] (the “Company”) provides mortgage brokerage services, including but not limited to, home loans, property equity release, refinancing, and commercial mortgages. These services are offered to residents, non-residents, self-employed, and salaried individuals, with our partnerships with various banks and financial institutions in the UAE.

### 2. **Eligibility**

To use our services, you must meet the following eligibility criteria:
– You must be a resident or non-resident of the UAE.
– You must be at least 21 years of age.
– You must provide accurate, complete, and up-to-date information during the application process.
– You must comply with all relevant laws and regulations of the UAE.

### 3. **Services Offered**

The Company provides the following services:
– **Mortgage Consultation**: Personalized advice on mortgage products suitable for residents, non-residents, salaried individuals, and self-employed individuals.
– **Property Equity Release**: Assisting property owners in releasing equity from their properties.
– **Refinance**: Facilitating mortgage refinancing to obtain better interest rates or extend repayment terms.
– **Commercial Mortgages**: Mortgage solutions for commercial property financing.

### 4. **Bank Partnerships**

The Company has agreements with all major banks in the UAE to offer competitive mortgage products. However, the final approval of any mortgage application is subject to the respective bank’s policies, terms, and conditions. The Company does not guarantee the approval of any mortgage application.

### 5. **Application Process**

You can apply for a mortgage through our website by filling out the application form and providing the required documents. These documents may include but are not limited to:
– Valid identification (Passport, Emirates ID, etc.)
– Proof of income (Salary certificate, bank statements, etc.)
– Property documents

### 6. **Fees and Charges**

The Company does not charge any upfront fees for consultation. However, fees may apply based on the services provided, including processing fees, valuation fees, or bank arrangement fees. All fees will be disclosed before the finalization of any service agreement.

### 7. **Third-Party Services**

The Company works with third-party service providers, including banks and financial institutions. The Company is not responsible for the actions, omissions, or policies of these third-party providers. You are encouraged to review the terms and conditions of the bank or financial institution that approves your mortgage.

### 8. **Disclaimer of Liability**

The Company provides its services on an “as is” basis. While we strive to provide accurate and timely information, we do not warrant that the services will be free of errors or interruptions. The Company is not liable for any financial loss, legal consequences, or damages arising from the use of our services or decisions made based on information provided through our website.

### 9. **Data Privacy**

We are committed to protecting your privacy. All personal information collected during the application process will be handled in accordance with UAE data protection laws. Your information will only be shared with relevant third-party financial institutions for the purpose of securing a mortgage or related services.

### 10. **Intellectual Property**

All content on our website, including text, graphics, logos, and images, is the property of the Company and is protected by copyright laws. You may not copy, distribute, or reproduce any content without prior written consent from the Company.

### 11. **Governing Law**

These Terms and Conditions are governed by the laws of the United Arab Emirates. Any disputes arising from the use of our services or these terms will be subject to the exclusive jurisdiction of the UAE courts.

### 12. **Modifications to Terms**

The Company reserves the right to modify these Terms and Conditions at any time. Any changes will be posted on our website, and continued use of our services will constitute acceptance of the updated terms.

### 13. **Contact Us**

If you have any questions regarding these Terms and Conditions, please contact us at:
– Email: [info@homeplusmortg.ae]
– Phone: [+971-528-015-295]
– Address: [The one tower , Dubai internet city floor number 12 office number 22 ]

—

This is a basic template, and it is advisable to have a legal professional review it to ensure it complies with UAE laws and reflects your company’s specific services and policies.