Finance for high-value and luxury property.
For homes worth more than AED 5 million, Central Bank rules lower the maximum loan to 70% of the value for expatriates and 75% for UAE nationals on a first home. Lenders also look closely at wealth, income structure and the property itself. We present your case to the lenders and private banking teams best suited to it.
High-value buyers often have income from several sources, including business profits, investments and rental income. Structuring how that income is presented can make a real difference to what a bank will offer.
Central Bank maximums. Each bank can apply stricter limits.
Is this right for you?
- Buyers of villas, penthouses and branded residences above AED 5 million
- Business owners with complex income
- Investors financing several high-value properties
From first call to keys
- Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
- Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
- Pre-approvalWe prepare your application, submit it and follow it up with the bank.
- Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
- Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.
Bespoke structuring for larger loans.
- Lender selection. Some banks focus on high-value lending and private clients. We know which to approach for your case.
- Income presentation. We help present business, investment and rental income in the way each lender assesses it.
- Property assessment. Banks value luxury and unique homes cautiously. We prepare you for the valuation.
- Discretion. We handle high-value applications with care and confidentiality.
What you'll usually need
Salaried applicants
- Passport, residence visa and Emirates ID
- Salary certificate from your employer
- Recent payslips and bank statements showing salary credits (usually 6 months)
- Details of existing loans and credit cards
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.
Numbers to know
- Maximum LTV, expatriates, first home, value above AED 5 million
- 70%
- Maximum LTV, UAE nationals, first home, value above AED 5 million
- 75%
- Maximum LTV, expatriates, second or investment property
- 60%
- Maximum debt burden ratio (share of gross income)
- 50%
- Maximum mortgage term
- 25 years
Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.
Your questions, answered.
How much deposit do I need for a property over AED 5 million?
Do private banks offer better terms?
Can I finance more than one high-value property?
We're just a message away.
WhatsApp us
Send a quick note about your plans. We usually reply within minutes during office hours.
Message us →Call us
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 4500Check your eligibility
Answer four quick questions and an adviser will tell you what's realistic for your income and plans.
Start now →