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Abu Dhabi Commercial Mortgage

In Abu Dhabi, commercial mortgage finance services are meant for purchase, refinancing, and equity release of income-producing or business-used properties such as office, retail units, and mixed-use properties.

Commercial mortgage finance differs from residential mortgage finance in terms of lending guidelines, down payment, and financial evaluation.

Prime Rate Hub assists its clients in organizing commercial mortgages with all UAE banks according to the business needs and investment strategies.

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Eligibility

Check Your Eligibility

Before selecting a property, it is important to understand how much financing you qualify for.

An eligibility assessment helps determine:

Maximum Loan Amount

Expected down payment

Suitable banks based on your profile

Check Your Eligibility

Can Expats Obtain a Mortgage in Abu Dhabi

Foreigners living in Abu Dhabi can obtain mortgage financing for the following property types:
  • Complete apartments and villas for sale.
  • Newly constructed properties purchased from developers.
  • Property transfer at the time of handover.
  • Balance payment of properties at the time of handover.

Off-plan properties that are under construction do not qualify for mortgage finance.

Typical financing limits

Mortgage financing for expats is regulated by the UAE Central Bank.

Up to

70 %

Up to

50 %

This service is designed for

Business owners purchasing office or retail space

Investors acquiring commercial property

 Companies expanding
operations

Clients refinancing existing commercial properties

 Investors seeking income-generating assets

Off-plan properties are not financed through mortgage.

Mortgage Services Provided

The types of commercial mortgage solutions provided in Abu Dhabi include:
  • Finance of office, retail units, and mixed-use properties
  • Owner-occupied commercial property finance
  • Investment property finance
  • Refinance (buyout) of an existing commercial loan
  • Release of equity on commercial property

Availability depends on the property type, tenant profile, and borrower financials.

Maximum Debt-Burden Ratio

DBR Cap: Up to 50% of Income

Eligibility Criteria

Commercial mortgage approval depends on:

Business financial performance

Company structure and ownership

Income stability and cash flow

Existing liabilities

Property type and location

Tenant profile (if leased)

50% to 70% of property value (varies by bank and asset type)

Process Overview

The process usually consists of:

Step 1

Assessment of Borrower and Business Profilee

Step 2

Financial Statements Assessments

Step 3

Selection of bank based on property and case studye

Step 4

Credit Approval

Step 5

Property Acquisition and Loan Releaset

Main Points to Consider in Relation to Commercial Mortgage

Before moving forward, please take into account the following:

High down payment relative to residential

Financial documentation necessary

Interest rate and interest scheme

Property type and rentability

Impact on cashflow

Longer processing time

Commercial financing requires a structured approach and careful planning.

Why Work With a Mortgage Broker

Commercial cases should be properly positioned at banks and have a solid financial presentation.

Prime Rate Hub offers:

Access to UAE banks providing commercial financing

Application structuring based on your business profile

Guidance regarding the necessary documentation

Coordination with banks and valuations team

Start Your Mortgage Assessment

Understanding your eligibility is the first step before committing to a property purchase.

A structured approach helps avoid delays and improves approval outcomes.

Questions

Frequently Asked Questions

A commercial mortgage is a loan utilized to acquire or refinance property intended for business or income generation purposes, including offices, retail outlets and mixed-use property.

In most cases, banks provide from 50% to 70% of the property value, depending on the asset type and borrower profile.

Yes, you can apply for a commercial mortgage by using your company’s financial reports, income level, and type of property.

Papers needed include the company’s financial reports, trade license, bank statements, ownership, and property papers.

This varies and is usually longer than a residential mortgage as per the intricacy of the application.

Yes, refinancing is possible.

Not all, banks do not mortgage certain types of properties. This depends on the property type, location, and tenants.

Yes. Commercial financing usually involves higher rates and stricter terms due to increased risk and complexity.