SME and company mortgages in the UAE
Buying in a corporate name is common in Dubai for succession planning, joint ventures and holding structures, but only a subset of UAE banks lend to companies, and each maintains its own list of acceptable entity types. Mainland LLCs and specific offshore vehicles registered for Dubai property ownership are the usual candidates; free-zone entities are assessed case by case.
Underwriting looks at both sides: the strength of the operating business and the personal covenant of the shareholders, who almost always sign a personal guarantee. Expect the lender to review audited financials, VAT returns, the shareholding structure and how the property fits the company's purpose.
Corporate loan-to-value ratios usually sit below the individual limits, and pricing carries a small premium over retail mortgages. In exchange you get a structure that survives ownership changes and simplifies how the asset is held across shareholders.
We make the banks work for you
Access competitive rates from UAE's leading banks
Plus 8 more banking partners for a total of 20+ options
What we need to get you an answer
- Trade licence, MOA and shareholder register
- Two years of audited financial statements
- Company and shareholder bank statements
- Board resolution authorising the purchase and borrowing
- Passports, Emirates IDs and proof of address for all shareholders
From 3.75% p.a.
Lowest available rates from 12+ UAE banks
Pre-approval in 48 hours
Indicative subject to eligibility
12+ partner banks
Conventional & Islamic
Zero broker fees
Free for buyers
Indicative figures only. Final rates and approvals are subject to bank assessment, eligibility and UAE Central Bank guidelines.
How It Works
From application to keys in hand-we make the mortgage process simple and stress-free
Get to Know You
We understand your financial situation, goals, and eligibility to find the best mortgage options for you.
Unlock Your Options
Access 20+ banks and compare rates, terms, and conditions. We negotiate on your behalf for the best deal.
Get Pre-Approved
We handle all the paperwork and documentation. Receive your pre-approval within 48 hours.
Close on Your Home
Final approval, property valuation, and closing support. We're with you until you get the keys.
Run the numbers
Estimate your monthly payment, total cost, or refinance savings before you commit.
Mortgage Calculator
Calculate your monthly payments and see how much you can afford
Calculate Your Mortgage
Adjust the sliders to see your estimated payments
Your Monthly Payment
Loan Amount
AED 1,600,000
Total Interest
AED 1,203,236
Total Payment
AED 2,803,236
Check Your Eligibility
Get personalized rates from our mortgage advisors
Get Pre-Qualified Today
Complete this quick form and receive your pre-qualification within 48 hours
Property Details
Tell us about the property you're interested in
Your information is secure and will only be used for mortgage pre-qualification.
For SMEs & companies, common questions
Can a company buy property in Dubai with a mortgage?
Yes, provided the entity type is acceptable to both the Dubai Land Department and the lender. Mainland LLCs and specific offshore vehicles registered for property ownership are most commonly approved.
What loan-to-value applies to a company mortgage?
Corporate lending typically caps at 50–65% of value, lower than the individual limits, and shareholders normally provide a personal guarantee.