MORTGAGE FINANCE

PROPERTY FINANCE BUILT AROUND LONG-TERM AFFORDABILITY

Mortgage Finance ATIB

FINANCE FOR PROPERTY OWNERSHIP

Acquiring property frequently requires a level of capital that cannot reasonably be funded from available cash alone.

Mortgage finance may allow an eligible borrower to acquire or refinance qualifying residential or commercial property while spreading repayment over an agreed period and maintaining an appropriate equity contribution.

Depending on the approved product, this may include completed homes, owner-occupied business premises, income-producing commercial property or refinancing of an existing property facility.

ATIB considers the property’s value, legal status and intended use together with the borrower’s income, financial commitments and long-term repayment capacity when assessing whether mortgage finance may be appropriate.

MORTGAGE FINANCE CAPABILITIES

Subject to product availability and applicable eligibility requirements, ATIB may consider mortgage financing around completed qualifying property and sustainable borrower repayment capacity.

RESIDENTIAL MORTGAGE FINANCE

Finance for eligible individuals acquiring qualifying completed residential property, subject to affordability, property valuation, legal title and approved product criteria.

PROFESSIONAL & ENTREPRENEUR MORTGAGES

Mortgage requirements for eligible professionals, entrepreneurs and self-employed clients whose sustainable income may arise from business profits, professional earnings, investments or other verifiable sources.

COMMERCIAL MORTGAGE FINANCE

Finance for qualifying completed offices, warehouses, logistics facilities, healthcare, education, hospitality, industrial and other eligible commercial premises used operationally or held as long-term investments.

PROPERTY REFINANCING & EQUITY RELEASE

Consideration of eligible existing property facilities or property-backed requirements where current value, available borrower equity, financing purpose and sustainable repayment capacity support an appropriate structure.

EXPLORE PRIVATE BANKING

PROPERTY SECURITY. SUSTAINABLE AFFORDABILITY.

Property provides important security, but sustainable income and cash flow remain fundamental to the borrower’s ability to meet a mortgage over the long term.

  • A qualifying completed property with clear ownership

  • Independent value supported by appropriate assessment

  • A meaningful borrower contribution where required

  • Repayments aligned with sustainable income or cash flow

  • Legal security and insurance established appropriately

  • Long-term affordability considered beyond current conditions

ATIB may consider the property’s location, condition, marketability, legal title and valuation alongside the borrower’s income, existing obligations and wider financial position. Property security does not replace the need for credible repayment capacity, and financing should not depend solely on future property-price appreciation or repeated refinancing.

PROPERTY FINANCE WITH LONG-TERM DISCIPLINE

Mortgage finance can support home ownership, business premises and long-term property investment where the property is suitable and the financing remains sustainable throughout the expected facility period.

ATIB seeks to structure eligible property finance around supportable valuation, appropriate borrower equity, clear legal security and a credible long-term source of repayment.

Wider business investment may connect with Term Loans, existing debt requirements with Refinancing, and larger development or construction transactions with Structured & Project Finance. For eligible individuals and families, property finance may also form part of a broader Private Banking relationship.

DISCUSS A PROPERTY-FINANCE REQUIREMENT