Investor Services
Mortgage and specialist coordination
Financing treated as part of the investment decision rather than an administrative step at the end of it.
Discuss a transactionThe proposition
Leverage changes the return, not just the paperwork
How much you borrow and on what terms affects capital exposure, monthly cash flow, return on equity, liquidity and how easily you can exit later. Deciding it after the property is chosen means the structure has to fit the asset instead of the objective.
We coordinate the financing and specialist workstreams around a proposed purchase so the property, the capital structure and the transaction requirements can be assessed as one decision. Lending decisions, terms and regulated advice remain with the bank and the licensed specialists; our role is to run the process around them.
Limits
What you can borrow
| Purchase | UAE national | Expatriate |
|---|---|---|
| First home, under AED 5m | 85% | 80% |
| First home, above AED 5m | 75% | 70% |
| Second and subsequent property | 65% | 60% |
| Off-plan, any purpose | 50% | 50% |
Source: Central Bank of the UAE, Regulations Regarding Mortgage Loans. These are regulatory maximums. Individual banks lend within them on their own criteria, and terms for non-residents are usually tighter.
Process
How the workstreams are coordinated
Structure before offer
How much equity, how much debt and what the monthly position looks like at different rates, decided before an offer is submitted.
Pre-approval
Introduced to lenders appropriate to your profile, with the documentation assembled once rather than repeatedly.
Valuation
Managed against recorded transactions, because a valuation below the agreed price has to be resolved before transfer.
Specialist workstreams
Legal, conveyancing, insurance and, where relevant, structuring advice, sequenced so nothing waits on something else.
Transfer
Lender, trustee office, developer and seller coordinated to a single completion date.
Scope
What we do and do not do
- We coordinate. Lender introductions, document assembly, valuation management and the timeline across every party.
- We model. The effect of different loan-to-value levels and rate scenarios on cash flow and return on equity.
- We do not lend or approve. Credit decisions and terms belong to the bank.
- We do not give regulated financial or tax advice. Those come from licensed specialists, whom we will coordinate with.
Questions
Common questions
Can non-residents get a mortgage in Dubai?
Several banks lend to non-residents, generally at lower loan-to-value ratios and on stricter criteria than for residents. The regulatory caps above are maximums, not entitlements.
Can I finance an off-plan purchase?
Up to 50% of value under Central Bank rules, and only with lenders who fund the specific project. We check that before you commit to a payment plan.
How long does approval take?
Pre-approval is commonly one to two weeks with complete documentation; the final offer follows the valuation.
Do you charge for this?
Coordination is quoted in writing and depends on the complexity of the transaction. Any fee payable to a lender or specialist is separate and disclosed.
Should I borrow at all?
Not always. Where leverage does not improve the position after costs, we will show you the arithmetic and say so.
Decide the structure before the offer
Tell us what you are considering and how much capital you want to commit. We will model the structure and coordinate the rest.
Discuss a transaction