From 10% down
Start with as little as a 10% down payment on a villa or land (20% for apartments) - the door opens sooner than you think.
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Home Finance
Your dream home awaits. We'll help you unlock the door.
For Bahrainis, residents and GCC nationals - salaried or self-employed.
- 10%
- minimum down payment
- 20 yrs
- maximum term
- None
- salary transfer required
Finance
Affordability estimator
What could you borrow?
*indicative borrowing amount
Est. monthly
Property budget
Term
Indicative rate
* A guide only, on a reducing-balance basis, using an indicative affordability ratio. Your actual amount depends on your income, commitments and profile, and is confirmed on approval. Rate from 8% APR
Find it, then own it
Through our network of real-estate referral partners across Bahrain, we can help point you toward the right home - then finance it.
Why finance your home with us
Less waiting. More moving in.
Owning a home is the biggest step most people take. We make it feel less like a hurdle and more like a handover - flexible, fast, and clear from the very first conversation.
Read more
Up to 20 years
Spread it over a term that lets you breathe. Longer to ease the monthly, shorter to own it sooner - your call.
A decision in 48 hours
Get an initial decision in as little as 48 hours - and with no salary transfer required, you keep banking exactly as you do now.
Open for everyone.
Bahraini citizens, expatriates and GCC nationals - salaried or self-employed. Whoever you are, there's likely a way.
What you can finance
Whatever "home" means to you.
A plot to build on, a villa to grow into, an apartment to call your own, or the work to make the one you have perfect.
Land
Secure your residential plot with a minimal 10% down payment, spread over up to 20 years.
Villa
Make a villa your home with only 10% down and a plan of up to 20 years.
Apartment
Own your apartment with a 20% down payment and a repayment period of up to 15 years.
Maintenance
Keep the home you love in top shape with maintenance financing of up to 15 years.
How it works
Four steps to your front door.
We keep the anxious, once-a-decade decision calm and clear - with a person beside you the whole way.
- 1
Know your budget
Use the estimator, then talk it through with an advisor.
- 2
Apply & get assessed
A short application - a decision in as little as 48 hours.
- 3
Valuation & offer
We value the property and set out your clear offer.
- 4
Sign & move in
We disburse, the deed is handled, the home is yours.
Customer story
From Dream to Keys
A real customer shares their journey to owning a home, and how BCFC Mortgage Finance made it simple, transparent, and stress-free.
How the Rate works?
Read more
Clear terms on the biggest decision you'll make.
No surprises is a feature, not fine print.
Home financing starts from 8% APR and is calculated on a reducing-balance basis, so you're only ever charged on what you still owe. We show fees and the indicative APR up front, walk you through the valuation and settlement, and there's no requirement to move your salary to us.
Illustrative. Down payment, term and rate depend on the property and your profile; the indicative APR is confirmed on approval.
Down payment
from 10%
Term
up to 20 yrs
Decision
~48 hours
Illustrative. Down payment, term and rate depend on the property and your profile; the indicative APR is confirmed on approval.
Rates & fees
Everything on the table
The published schedule, plainly stated - as required by the Central Bank of Bahrain. All fees are subject to 10% VAT.
Peace of mind, bundled
Protect the home, not just the financing.
Arrange property and life takaful through our group partner TISCO in the same conversation - so the roof over your family is covered from day one, with nothing left to chase.
Add protection to my plan
Am I eligible?
What you will need
Nothing you don't already have. Get these ready and it all moves faster.
Eligibility
- Bahraini citizen, expatriate or GCC national
- Salaried or self-employed, both welcome
- Aged 21 or over with a verifiable income
- Minimum salary of BD 600.
Documents
- Your CPR (front and back)
- Income proof, salary certificate or business financials
- Recent bank statements
- The property details, quotation, title deed copy or developer contract
Good questions
Before you ask us
Is there a salary transfer?
No. You can finance your home with us and keep your salary and everyday banking exactly where they are -no salary transfer required.
How much deposit do I need?
From 10% for a villa or land, and 20% for an apartment. The exact figure depends on the property and your profile.
How quickly can financing approval be obtained?
A decision in as little as 48 hours once we have your documents. Valuation and completion then follow, and your advisor keeps you posted at each step.
What are the eligibility requirements for financing applicants?
Bahraini citizens, expatriates and GCC nationals - whether you're salaried or self-employed.
Can I refinance or buy out an existing mortgage?
Yes - we can look at moving your existing home finance across, and rescheduling or top-up admin is free. Talk to an advisor to compare.
Are Sharia-compliant home financing solutions available through BCFC?
A Shariah-compliant route is available through the group. An advisor will walk you through the structure.
Start now
Apply now.
Apply in minutes on the Sahel by BCFC app, or leave your number and a home-finance specialist will call you back.
- Download the Sahel by BCFC app.
- Confirm your ID in minutes.
- Get an initial decision in as little as 48 hours.
* All features and financing are subject to terms and conditions and credit approval.
Sahel by BCFC
Once you have the keys, Sahel does the rest.
Track your financing, see your next instalment, download statements and get support - all in the Sahel app. No branch, no queue, no waiting.
Download the app
