Commercial Property Finance Dubai — Expert Mortgage Advice
Finance office units, retail shops, warehouses, and mixed-use commercial properties in Dubai. Competitive LTV from UAE’s leading commercial lenders — compared by CityMortgage.
- Up to 65% LTV for commercial properties
- Office, retail, warehouse, hotel apartments
- Rates from ~4.5% — all major UAE banks compared
- 20+ years of mortgage expertise
Freehold commercial properties in designated Dubai areas. Salaried and business owner profiles welcome.
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What Commercial Properties Can Be Financed in Dubai?
Dubai’s commercial property market offers investors and business owners a wide range of freehold opportunities — from office units in Business Bay to retail spaces in JBR and warehouses in Al Quoz. UAE banks provide mortgage finance for many of these asset types, though eligibility, LTV, and loan terms vary significantly between lenders and property types.
CityMortgage compares commercial finance products from all major UAE banks simultaneously. We identify which lenders are actively financing your specific property type — and which are offering the most competitive rates for your borrower profile.
Whether you are a business owner financing your own premises, an investor building a commercial portfolio, or an individual purchasing a hotel apartment, CityMortgage has the lender relationships to find the right structure.
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Max LTV50%–65% depending on type
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Rate From~4.5% for commercial properties
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Max TermUp to 20 years
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Eligible PropertiesFreehold commercial in designated areas
Types of Commercial Property We Finance
Each property type has different LTV limits and lender appetite. CityMortgage matches your property to the right bank.
Office Units
Finance office spaces in Business Bay, DIFC, Downtown Dubai, and JLT. Suitable for owner-occupiers and investors. Most major UAE banks actively lend on freehold office units in these areas.
LTV up to 65%Retail Shops
Retail units in malls, strip malls, and ground-floor podium spaces. LTV and lender appetite vary by location and footfall. CityMortgage identifies the most suitable lenders for your retail asset.
LTV up to 60%Warehouses
Industrial and logistics units in Al Quoz, Dubai Investment Park, and Jebel Ali. Finance is available for freehold warehouses. Lender appetite for industrial assets is more limited — specialist placement required.
LTV up to 55%Mixed-Use Commercial
Buildings or units combining retail, office, and residential elements. Mixed-use finance typically requires a lender experienced in blended assets. CityMortgage structures the finance correctly from the start.
LTV up to 60%Hotel Apartments
Serviced apartments and hotel units registered as commercial assets in Dubai. Available to both UAE residents and non-residents. Some banks offer specialist hotel apartment mortgage products with competitive LTV.
LTV up to 60%Commercial Portfolios
Investors with multiple commercial properties can structure portfolio finance — leveraging the combined value across assets. CityMortgage works with banks offering portfolio commercial mortgage solutions.
Bespoke structureCommercial Finance vs Residential Mortgage
Commercial finance in the UAE has different rules to residential mortgages. Understanding the key differences helps you plan your purchase correctly.
| Factor | Residential | Commercial |
|---|---|---|
| Max LTV (typical) | 80% | 65% |
| Min Deposit | 20% | 35% |
| Rate From | ~3.5% | ~4.5% |
| Max Loan Term | 25 years | 20 years |
| Islamic Finance | Available | Available |
| Expat Eligible | Yes | Yes |
| Non-Resident Eligible | Yes (65% LTV) | Selected lenders |
| AECB Score Required | Yes | Yes |
Commercial Mortgage Eligibility
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Valid UAE residency visa (residents) or passport (non-residents)
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Salary certificate or 2 years audited company accounts
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12 months personal and business bank statements
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Valid UAE trade licence (for business owner applications)
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Healthy AECB credit score — CityMortgage advises on improving if needed
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Freehold commercial property in a UAE bank-approved area
Your Commercial Finance — 4 Steps
CityMortgage manages the entire commercial finance process — from property eligibility check to DLD registration.
Property Assessment
We review your property type, location, and borrower profile. We confirm lender appetite and the realistic LTV available for your specific commercial asset.
Lender Shortlist
We identify which UAE banks are actively lending on your property type and profile. You receive a comparison of rates, LTV, and terms from all suitable lenders.
Application & Approval
We submit your application and manage the bank directly. Commercial pre-approval typically takes 5 to 10 working days. All document requests handled by CityMortgage.
Transfer & Registration
From full mortgage offer to DLD registration. CityMortgage coordinates with the developer or seller, DLD, and bank to complete your commercial property purchase.
Commercial Finance Questions
Commercial Property Finance Dubai
CityMortgage has 20+ years of experience placing commercial finance applications across all major UAE banks. We know which lenders are currently active and competitive for your property type.
Get a Free AssessmentReady to Finance Your Dubai Commercial Property?
WhatsApp CityMortgage now. We confirm your property eligibility and borrowing capacity — and compare all major UAE lenders for the best commercial mortgage rate.