Mortgage services · Commercial

Commercial Mortgages in Dubai and the UAE

Commercial mortgages finance offices, shops and warehouses. Banks assess the property, rental income and company accounts, not only salary.

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01

Property types we finance

Banks can finance offices, retail units, warehouses and some mixed-use property, depending on the bank’s policy and the location.

02

How banks assess commercial loans

Commercial lending looks at more than salary. Banks assess the property, the rental income or business cash flow and your company accounts. Signed leases and a clear tenancy history strengthen an application.

03

Loan-to-value and term

Loan-to-value is usually lower than for residential property, and terms are often shorter. Each bank sets its own limits, so we compare before you commit.

04

Documents for company buyers

Company buyers usually provide the following.

  • Trade licence and company documents
  • Audited or management accounts
  • Company bank statements
  • Passports and Emirates IDs of the owners
  • Lease agreements, if the property is let

FAQ

Commercial questions, answered

Offices, retail units, warehouses and some mixed-use property, depending on the bank’s policy and the location.

Usually yes. Banks often lend a smaller share of the value on commercial property, and each bank sets its own limit.

Both can apply. Companies usually provide the trade licence, company documents and audited accounts.

Yes, signed leases and a tenancy history help support the application.

Often shorter than residential terms. The term depends on the bank, the property and the borrower.

Keep exploring

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Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.

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