Bring your property loans into one clear plan.
If you own several properties in the UAE, refinancing them together with one lender can simplify repayments and sometimes improve terms. Lenders assess your total commitments, the rental income from each property, and investment-property limits. We map out your portfolio and show you the options.
Not every portfolio benefits from consolidation, and not every lender offers it. We'll start with a review of what you have today.
Is this right for you?
- Investors with two or more mortgaged properties
- Owners with loans spread across several banks
- Investors planning their next purchase
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.
How portfolio lending is assessed.
- Investment property limits. Second and subsequent properties have lower loan-to-value limits: 60% for expatriates and 65% for UAE nationals.
- Rental income. When assessing affordability, lenders must deduct at least two months' rent to allow for empty periods.
- Total debt burden. All your loan repayments together must stay within 50% of your income.
- Interest-only limits. Interest-only periods are allowed only on investment loans and for no more than 5 years.
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
Your existing mortgage
- Latest mortgage statement
- Liability letter from your current bank showing the amount to settle
- Title deed of the property
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, second or investment property
- 60%
- Maximum LTV, UAE nationals, second or investment property
- 65%
- Minimum rental income deducted in DBR for investment property
- 2 months
- Maximum interest-only period (investment loans only)
- 5 years
- Maximum debt burden ratio (share of gross income)
- 50%
Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.
Your questions, answered.
Will consolidating my loans lower my payments?
How do banks treat rental income?
Can I take an interest-only loan?
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