Compare & Get UAE's Best Commercial Mortgages Rates
- Commercial mortgages rates, from 18+ Banks
- All business mortgages | Fastest Processing
- Up to 350M AED | Up to 15Y Tenor
Best commercial rates
- We compare business mortgages rates and terms from 18+ Banks, with full transparency
- Compare 18+ Banks rates
- Get the right business mortgages
- Make guaranteed savings
Unparalleled expertise
- Our commercial mortgage experts have the expertise you need, and it is unmatched.
- 10Bn+ AED financed portfolio
- 50Y+ cumulative experience
- Unmatched banking background
100% Commission free
- We are 100% free to you. We get paid by our banking partners so you don’t have to pay us.
- Zero brokerage fees
- Save up to 200k AED in commissions
- And still get advised by the best
#1 Business Mortgages
- We are the UAE’s #1 Business Mortgage Broker for all units.
- Offices and shops
- Hotels and Restaurants
- Industrials, Warehouses, and other
Flexible down-payment
- We finance commercial properties with LTVs as high as 60-80%.
- Financial engineering driven
- LTV as high as 80%
- Down-payment financing options
Flexible tenors and terms
- We know the best business mortgage terms and can advise you.
- Tenors up to 15 Years
- Flexible repayment options
- Flexible restructuring options
As seen on:
UAE's best Commercial Mortgages Rates
10Bn+ AED worth of UAE commercial mortgages financed
Over the past years, our team has done and seen it all. And we can help you get the best terms for your commercial property.
50Y+ cumulative experience in business mortgages UAE
Our finance professionals have spent years financing commercial properties in the UAE.
A really – world class – advisory team
Our founders and teams have worked for exceptional banking institutions: Goldman Sachs, and the World Bank, and can get you the best commercial mortgage rates.
Commercial mortgage from the largest banking network in the UAE
Get financed with full confidence with our commercial experts
Joerg Van Der HootManaging Director & Commercial Mortgages Expert
Mortgages for commercial properties in the UAE, explained.
What is a commercial mortgage?
A commercial mortgage is a loan that is used to purchase or refinance commercial real estate. The property being financed can be used for business or investment purposes and can include office:
- Buildings
- Retail centers
- Warehouses
- Hotels or serviced apartments
- Restaurants and other mixed-use properties
Commercial mortgages in the UAE typically have variable interest rates and require larger down payments than residential mortgages, and the terms and conditions of the loan will depend on the creditworthiness of the borrower and the income-producing potential of the property.
Which bank offers commercial mortgages in the UAE?
In the United Arab Emirates (UAE), commercial mortgages are provided by a variety of financial institutions, including banks, mortgage companies, and specialized real estate finance companies. Some of the major banks in the UAE that offer commercial mortgages include Abu Dhabi Commercial Bank, Dubai Islamic Bank, Emirates NBD, and National Bank of Abu Dhabi. Additionally, there are several specialized real estate finance companies in the UAE that focus on providing commercial mortgages, such as Tamweel and Amlak Finance. It is important to note that the terms and conditions of commercial mortgages in the UAE may vary depending on the lender and the specific property being financed.
What are the main types of commercial mortgages?
In the UAE, commercial mortgages come in 2 types:
- Owner-occupier mortgage
- Commercial investment mortgage
Both commercial mortgages can be borne by businesses or by individuals.
Owner-occupier mortgages in the UAE: An owner-occupier commercial mortgage is a type of commercial mortgage that is used to purchase or refinance a commercial property that will be used by the borrower as their primary place of business. This type of mortgage is typically used by small businesses such as retail stores, restaurants, and offices that are looking to purchase or refinance the property they currently operate in.
An owner-occupier commercial mortgage has some key features that differ from a standard commercial mortgage. The lender will typically require a lower down payment and may offer more favorable terms, such as a lower interest rate, because the borrower is using the property as their primary place of business. The lender may also consider the borrower's personal credit score along with the business credit score.
Commercial investment mortgages in the UAE: A commercial investment mortgage is a type of commercial mortgage that is used to purchase or refinance a commercial property that will be used primarily for investment purposes. This type of mortgage is typically used by investors and businesses that are looking to purchase or refinance a commercial property that will generate income through renting it out or using it as a source of passive income.
The terms and conditions of a commercial investment mortgage may differ from an owner-occupier commercial mortgage. The lender will typically require a higher down payment and may charge a higher interest rate because the property is not being used as the borrower's primary place of business. The lender will also assess the potential income-generating capacity of the property, as well as the creditworthiness of the borrower.
Important UAE commercial mortgages facts:
Below are the main commercial mortgage considerations:
- Up to 350M Mortgage
- Up to 70% maximum LTV (Few mortgages went up to 80% on an exceptional basis)
- 15Y maximum tenor
- Variable rates mainly (defined as bank margin + EIBOR)
Financing commercial properties as private individuals
Individuals can finance commercial properties in the UAE through a commercial mortgage. However, obtaining a commercial mortgage as an individual can be more difficult compared to a business, as the lender will typically assess the individual's creditworthiness and financial capacity to repay the loan, as well as the income-generating potential of the property.