Reef was the first dedicated mortgage finance company to be operational in Bahrain. Since inception, we have taken concrete steps towards our focus of making a difference in the realty market; in terms of product innovation, process time, and customer service. For us, providing choice and end-to-end solutions to clients means being different in our approach.

At a financing level, Reef provides options for:

Individuals

• Financing for residents in Bahrain and any GCC country
• Financing for
  • Purchase of a villa or apartment
  • Construction
  • Purchase of land
  • Purchase of land and construction
• Financing can be single or joint application

For more information, please view Our Products and Financing Guide

Commercial

Reef provides financing for commercial entities which is focused on the construction of commercial complexes, offices, warehouses, showrooms, etc for retail merchants and trading establishments.

Reef is also able to provide options for employee housing schemes.

Investment

Reef considers financing real estate investments on a case by case basis, working hand in hand with prospective clients to better understand expected costs and returns. Quite often, investment is based on land purchase and construction of rentable housing units

In general, Reef seeks to be different, by:

• Being a customer sponsor - supporting fulfillment of customer aspirations through choices and solutions.
• Supporting sustainable initiatives and standards that help develop the Islamic real estate finance industry
• Creating an exchange platform that enables value sharing and prosperity between our sector partners and alliances.