Tailored commercial solutions
We structure commercial mortgage solutions across 18+ UAE banks, finding the right facility for your asset and business.
- Solutions from 18+ banks
- Get the right structure
- Make guaranteed savings
Commercial & business property finance
UAE commercial mortgage solutions built around your business
Offices, retail, warehouses, hotels and mixed-use. We structure commercial mortgage solutions from 18+ UAE banks — up to AED 350M, LTV as high as 120% and tenors up to 15 years — advised by experts who have financed over AED 10Bn.
- Solutions from 18+ UAE banks
- Up to AED 350M facilities
- Tenors up to 15 years
- Zero brokerage fees
What we finance
Warehouses, buildings, industrial assets and plots
If it generates income or houses your business, we can structure the finance for it — across 18+ UAE lenders.
Warehouses
Logistics sheds, cold stores and distribution hubs across JAFZA, DIP and Al Quoz.
Residential buildings
Whole-building and multi-unit income assets financed on rental yield.
Commercial buildings
Offices, retail units and mixed-use towers for owner-occupiers and investors.
Industrial
Factories, workshops and light-manufacturing facilities with long tenors.
Land & plots
Development land finance, structured around your build and exit plan.
AED 10Bn+
worth of UAE commercial mortgages financed by our team
50Y+
cumulative experience in UAE business mortgages
18+ UAE lenders
one structured solution across the right banking partners
Commercial mortgage solutions, structured by experts
Unparalleled expertise
Our commercial mortgage experts come from Goldman Sachs and the World Bank. The expertise is unmatched.
- AED 10Bn+ financed portfolio
- 50+ years cumulative experience
- Deep banking background
100% commission free
We are paid by our banking partners, so you never pay us a dirham for commercial advisory.
- Zero brokerage fees
- Save up to AED 200,000
- Still advised by the best
End-to-end business property finance, for every unit type
Every business asset class
- Offices and retail shops
- Hotels and restaurants
- Industrials, warehouses and more
Flexible down payment
- Financial-engineering driven
- LTV as high as 120%
- Down-payment financing options
Flexible tenors and terms
- Tenors up to 15 years
- Flexible repayment options
- Flexible restructuring options
Commercial mortgage solutions from the UAE's largest banking network
The only UAE digital mortgage broker rated 5/5 on Google, with 300+ reviews
Commercial solutions from 18+ UAE lenders
Financing commercial properties in the UAE, explained
Owner-occupier mortgages
Used to buy or refinance the property your business trades from — a shop, restaurant or office. Because you occupy the asset, lenders typically ask for a lower down payment and price the facility more favourably, assessing both your business and personal credit profile.
Commercial investment mortgages
Used to buy or refinance an income-producing asset you rent out. Lenders require more equity and price higher, underwriting the property's rental income potential alongside your creditworthiness. Both structures can be held by a company or an individual.
Key UAE facts
- Facilities up to AED 350M
- Maximum LTV of 120% with the right structure
- Maximum tenor of 15 years
- Mainly variable pricing: bank margin + EIBOR
Commercial mortgage questions, answered
A commercial mortgage is a loan used to purchase or refinance commercial real estate — office buildings, retail units, warehouses, hotels or serviced apartments, restaurants and mixed-use properties. In the UAE these loans are mostly variable rate (bank margin plus EIBOR) and require larger down payments than residential mortgages. Terms depend on the borrower's creditworthiness and on the income-producing potential of the property.
Commercial property finance in the UAE is offered by banks, mortgage companies and specialised real estate finance houses — including Abu Dhabi Commercial Bank, Dubai Islamic Bank, Emirates NBD, HSBC, Standard Chartered, ADIB and RAKBANK, alongside specialists such as Amlak Finance. Terms vary widely by lender and by property, which is exactly why comparing matters.
Two: owner-occupier mortgages, where you finance the property your business trades from, and commercial investment mortgages, where the property is bought to generate rental income. Owner-occupiers usually get lower down payments and better pricing; investment mortgages require more equity and are underwritten on the property's income potential. Both can be taken by a company or by an individual.
Commercial mortgages in the UAE go up to AED 350M. Maximum LTV can reach 120% with the right structure. Maximum tenor is 15 years, and pricing is mainly variable — defined as bank margin plus 1M or 3M EIBOR.
Yes. Individuals can take a commercial mortgage, though it is generally harder than for a company: the lender assesses your personal creditworthiness and repayment capacity alongside the income-generating potential of the property. Structuring the application correctly makes a large difference to the outcome.
Nothing. We are paid by our banking partners, so our commercial mortgage service is 100% commission free for you — which on a large business mortgage can save you up to AED 200,000 in broker commissions.
Commercial underwriting is heavier than residential, but with a complete file and the right lender pre-selected, indicative terms can come back within days. Our advisors package your application to the banks most likely to approve it at the best price.
Get a commercial mortgage solution built for you
Get a tailored commercial mortgage solution from 18+ UAE banks with a dedicated business finance expert. Free, and without commitment.