Buy-to-Let Mortgages in the UAE

Invest in Dubai's rental market with a buy-to-let mortgage structured for maximum yield and long-term capital growth.

Dubai's rental market offers some of the most attractive buy-to-let returns in the world, with gross yields regularly exceeding 6% in popular residential communities. A buy-to-let mortgage in the UAE allows you to leverage your capital across multiple properties, growing your portfolio while rental income services the debt. Bradgate Heights helps landlords at every stage, from purchasing a first rental property through to managing a multi-unit portfolio.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

High Rental Yields

Dubai buy-to-let properties routinely deliver gross yields of 5–8%, significantly outperforming most European and North American rental markets on a gross return basis.

No Income or Capital Gains Tax

The UAE imposes no personal income tax or capital gains tax, meaning your rental income and property profit are entirely yours to keep or reinvest into further acquisitions.

Strong Tenant Demand

Dubai's growing expatriate population and thriving tourism industry create sustained demand for rental accommodation across all unit types and price brackets throughout the year.

Portfolio Growth Strategy

We help you structure your borrowing across multiple buy-to-let properties to maximise portfolio growth while maintaining a sensible and sustainable debt-to-equity ratio.

How It Works

Check Eligibility

We review your income, existing property exposure, and target rental yields to determine your maximum borrowing capacity and the most suitable buy-to-let lenders for your profile.

Choose Product

We compare buy-to-let mortgage products across our lender panel, focusing on rate, fees, and the rental income coverage requirements applied by each lender.

Application

We manage the full application process including rental income projection documentation and any requirements specific to the property's current tenancy status.

Completion

We complete the purchase and advise on registering your tenancy agreement through the Ejari system to comply with RERA regulations and protect your rental income legally.

Frequently Asked Questions

What LTV is available on UAE buy-to-let mortgages?+

Buy-to-let mortgages in the UAE for residents purchasing a second or subsequent property typically offer up to 65% LTV. The exact ratio depends on the lender, property location, and your overall financial profile including existing debt obligations.

Do I need a property management company for a UAE buy-to-let?+

You are not required to use a property management company, but many overseas and non-resident landlords find it practical to appoint a RERA-registered manager. Management fees typically range from 5–10% of annual rental income.

How is rental income assessed by UAE mortgage lenders?+

Lenders take different approaches. Some consider rental income as a supplementary income source added to salary, while others apply a rental coverage calculation where the expected rent must exceed 110–120% of the monthly mortgage payment.

What is the Ejari system and why does it matter for landlords?+

Ejari is the RERA-regulated tenancy registration system in Dubai. All tenancy contracts must be registered through Ejari to be legally enforceable, ensuring landlords can use the system to resolve disputes or enforce rental payment obligations.

Can I get a UAE buy-to-let mortgage as a non-resident?+

Yes, non-residents can purchase investment properties in the UAE and obtain buy-to-let mortgages from a number of lenders, though the available LTV and eligible products are more limited than for UAE residents. We advise on all available non-resident options.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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