Commercial Real Estate Financing in the UAE

Secure tailored funding for offices, retail spaces, industrial units, and hotels. Compare business property loans and investment mortgages from leading UAE lenders.

Get Pre-Approved Mortgage Calculator
G
4.9 ★★★★★Google Ranking
user user user
5,000+Happy Clients
15+Years of Experience
1,000+Clients in Dubai

Get pre‑approved for commercial property financing in minutes

Whether you're acquiring an office , retail outlet, industrial unit, or hotel, our mortgage experts will help you secure the best financing options from UAE banks.

I want to finance a commercial property I want to refinance my investment

Let's work together to find the perfect commercial mortgage for you.

Loan Type

Residency

Property

Employment

Submit Application

Let's get started

Tell us about your commercial financing needs to begin your pre-qualification journey.

Commercial mortgages in the UAE can cover up to 70-80% of the property value, with flexible terms tailored to your business cash flow.

Residency status

Your residency helps us identify the right commercial lenders.

Commercial property details

Tell us about the property you intend to finance.

Business & income details

Your business financials help us determine borrowing capacity.

Ready to submit

Please review your information and submit your commercial pre-qualification request.

How commercial mortgage financing works

Secure the best rates and tailored loan structures for your business property investment.

1
Speak to a commercial mortgage expert

We assess your business goals, property type, and financials to match you with suitable lenders.

2
Complete your application

We coordinate documentation and secure your commercial mortgage pre‑approval.

3
Secure the best offer

We compare deals from every major UAE bank to find the most competitive terms for your investment.

4
Finalise and fund

Once approved, we help you finalise the mortgage and complete your commercial property acquisition.

Why choose us for commercial real estate financing?

Skip the hassle of approaching multiple banks, negotiating terms, and navigating complex paperwork.

4.9
★★★★★ 1200+ Total reviews on Google
We'll save you money

Access exclusive rates and lower fees through our lender partnerships.

We'll save you time

We compare all commercial mortgage offers so you don't have to negotiate with each bank.

We'll give you a VIP service

We manage the entire financing process from application to disbursement.

Commercial real estate financing UAE - business property loans

Media mentions

Featured in the UAE’s most popular media outlets

bank bank bank bank bank

Our partners include some of the largest financial institutions in the UAE

Mashreq Bank Emirates NBD Arab Bank Standard Chartered Commercial Bank of Dubai Dubai Islamic Bank Mashreq Bank Emirates NBD Arab Bank Standard Chartered Commercial Bank of Dubai Dubai Islamic Bank

FREQUENTLY ASKED QUESTIONS (FAQs) – Commercial Real Estate Financing UAE

Commercial real estate financing refers to loans secured against commercial properties such as offices, retail spaces, industrial units, and hotels. These loans are typically used for acquisition, development, or refinancing of income-generating properties.

Loan amounts depend on the property value, your business financials, and the lender's criteria. Typically, banks finance 70–80% of the property value for commercial real estate, with loan tenors up to 15–20 years.

Yes, many UAE banks offer commercial mortgages to non-resident investors. Requirements may include proof of income, bank statements, and a clear business plan or property details.

Commercial mortgages are secured against business-use properties and often have higher interest rates, shorter terms, and lower loan-to-value ratios compared to residential mortgages. Lenders also assess the business's income and creditworthiness.

Typical documents include passport copy, Emirates ID (for residents), company trade license, audited financials, bank statements, property details, and a business plan if applicable.

Rates vary by lender, property type, and applicant profile. Typically, commercial mortgage rates in the UAE range from 4% to 6% annually. Using a mortgage calculator and comparing offers helps secure the best rate.

Yes, refinancing allows you to replace your current loan with a new one, potentially securing a lower interest rate, accessing equity, or adjusting repayment terms to better suit your business cash flow.

LTV is the loan amount expressed as a percentage of the property's value. For commercial properties, UAE lenders typically offer LTVs of 70–80%, meaning you need to provide a 20–30% down payment.

Pre-approval can take 3–7 working days, while full approval and disbursement may take 3–6 weeks depending on the complexity of the application and the lender's processes.

A commercial mortgage advisor compares products from multiple banks, negotiates terms, handles documentation, and provides expert guidance to ensure you secure the most suitable financing for your business investment.