Commercial Mortgages in Dubai
for Income-Producing Assets
We arrange finance for offices, retail units, warehouses and mixed-use buildings. Banks base commercial lending on rental income, tenancy contracts and the property’s net operating income, so we build your case around these and take it to lenders active in your sector.
Commercial Mortgage in Dubai
Why Choose Us for Commercial Property Loans in the UAE
Commercial loans work differently from home loans. Banks usually lend a lower share of the property’s value, set shorter terms and look closely at the tenants in place. Whether you are buying or refinancing, we match your property to lenders that finance its type and agree terms that suit its rental income.
Process
How We Take Your Commercial Mortgage in Dubai from Application to Approval
We manage every stage of your commercial loan application, prepare what the bank asks for and keep the process moving between you and the lender.
Step 1
Financial & Eligibility Review
We review your audited financial statements, company bank statements and existing debts to work out how much you can borrow and which banks are likely to consider your application.
Step 2
Asset & Valuation Analysis
The bank’s valuer assesses the property, and we review the tenancy contracts and rental yield that support it. A strong valuation and stable tenants usually mean a higher loan amount and a better rate.
Step 3
Credit Structuring & Submission
We prepare a bank-ready file including cash flow projections and liability exposure review. When arranging a business mortgage in Dubai, lender selection is aligned with sector appetite and balance sheet strength.
Step 4
Approval, Documentation & Disbursement
Once the bank approves the loan, we review the facility offer and its conditions with you, coordinate the signing of documents and arrange the release of funds on the agreed repayment schedule.
Multi-Bank Access
Finance Your Commercial Property Through Multiple UAE Lenders
- Access to 20+ UAE lenders
- Lenders matched to your sector
- Indicative terms within 48–72 hours
Borrowing Terms
- Up to 65–75% LTV, depending on property type
- Tenure up to 15 years
- Assessed on rental income cover (DSCR)
Application Support
- Full credit file preparation
- Review of loan conditions and structure
- Managed release of funds
Ongoing Support
- Regular rate reviews
- Alerts when refinancing could save you money
- Review of your total property debt
Frequently Asked Questions
24/7 Support
Got questions? Our team is just a click away!
What is a commercial mortgage?
A commercial mortgage is a loan to buy or refinance property used for business or rental income, such as offices, retail units, warehouses and mixed-use buildings. The bank assesses the property’s income as well as your own finances.
How much can I borrow for a commercial property in Dubai?
Banks lend a lower share of the property’s value for commercial property than for homes. The exact limit depends on the property type, location and the strength of its tenants. We confirm your borrowing limit once we review the property and its income.
What is the debt service coverage ratio (DSCR)?
The DSCR compares a property’s net operating income to its annual loan repayments. For example, a property earning AED 500,000 a year against AED 400,000 in repayments has a DSCR of 1.25. Banks want to see the income comfortably cover the repayments.
Can I take a commercial mortgage in my own name or through a company?
You can apply either way. Company applications need the trade licence, memorandum of association and audited financial statements. Personal applications are assessed on your own income and the property’s rental income.
Can I get a mortgage on a vacant commercial property?
Yes, but fewer banks offer it. Without tenants, the bank relies on your personal or business income to cover the repayments and usually lends a lower share of the property’s value.
Can I finance a property for my own business to use?
Yes. For owner-occupied premises, the bank assesses your company’s cash flow and financial statements instead of rental income.
What documents are required for a commercial mortgage?
Banks usually ask for your trade licence, memorandum of association, audited financial statements for the last two to three years and 6 to 12 months of company bank statements. For the property, they need the title deed or sale agreement and copies of any tenancy contracts.
Are commercial mortgage rates higher than residential rates?
Usually, yes. Commercial loans carry a higher margin over EIBOR because banks see them as a higher risk. Your rate depends on the loan size, the property type and the quality of the tenants.
Can non-residents get a commercial mortgage in Dubai?
Yes, but only through a small number of banks. Non-residents typically need a larger deposit and must provide financial statements and bank records from their home country.
Is VAT charged on commercial property in Dubai?
Yes. The sale and lease of commercial property in the UAE are subject to 5% VAT, whereas most residential property is exempt or zero-rated. Factor this into your budget alongside the Dubai Land Department fees.
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