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● Commercial Property

Finance for commercial property in the UAE.

Commercial property finance helps businesses and investors buy offices, retail units, warehouses and other income-producing property. It works differently from a home loan: banks set their own limits for loan-to-value and term, and look closely at the business, the tenant and the rental income. We compare commercial lenders and prepare a strong application.

Start with the basics: the property's income potential, the lender's requirements for proof of income and credit history, and the terms on offer from several banks. With the right preparation, a commercial purchase becomes a much more straightforward investment.

● Free, no-obligation advice

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Tell us a little about your plan. An adviser will call you within 2 working hours during office hours.

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● Who it's for

Is this right for you?

  • Business owners buying their own premises
  • Investors buying tenanted offices or shops
  • Companies refinancing commercial property
● How it works

From first call to keys

  1. Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
  2. Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
  3. Pre-approvalWe prepare your application, submit it and follow it up with the bank.
  4. Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
  5. Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.
● What lenders assess

How commercial lending differs.

  • Lender-set limits. Loan-to-value and term are set by each bank's commercial policy, usually more conservatively than for homes.
  • Income from the property. For tenanted property, banks look at the lease, the tenant and the rental income.
  • The business. For owner-occupied premises, banks assess the company's financial statements and track record.
  • Valuation. Commercial valuations consider location, condition and income.
● Documents

What you'll usually need

Self-employed and business owners

  • Passport, residence visa and Emirates ID
  • Trade licence and company documents (such as the memorandum of association)
  • Personal and company bank statements (often 6 to 12 months)
  • Audited financial statements or proof of business income, where the lender asks for them

Property documents

  • Memorandum of understanding (Form F) or sale agreement
  • Title deed or Oqood (for off-plan) of the property
  • Valuation report (arranged by the lender)

Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.

● Key facts

Numbers to know

Loan-to-value
Set by each lender's commercial policy
Assessment
Business financials, property income and the borrower's credit history

Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.

● Common questions

Your questions, answered.

How much deposit do I need for commercial property?
It depends on the lender, the property and your business. Commercial loans usually need a larger deposit than home loans. We'll confirm realistic figures for your case.
Can I buy commercial property in my company's name?
Often, yes, depending on the bank and the company's structure. Lenders may also ask for personal guarantees.
Do banks finance tenanted property?
Yes. The lease terms and the tenant's strength are a big part of the assessment.
● Free calculator Rental yield & ROI Estimate rental yield and return on an investment property. Open calculator →
● Read next
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Looking at something else?

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Self-Employed MortgagesBusiness owners & freelancers
● Need some help?

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Mon–Fri 9:00 am – 6:00 pm, Sat 10:00 am – 4:00 pm (Gulf Standard Time). Closed Sundays and UAE public holidays.

+971 4 320 4500

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