Commercial Mortgages in the UAE

Finance your UAE commercial property purchase or refinance with specialist advice from brokers who understand the business lending market.

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The UAE offers a dynamic commercial property market, from Dubai's iconic office towers to industrial warehousing across Jebel Ali and logistics hubs in Abu Dhabi. Commercial mortgages differ significantly from residential products in terms of underwriting criteria, LTV ratios, and term lengths. Bradgate Heights works with specialist commercial lenders across the UAE to help business owners, investors, and entrepreneurs finance their commercial real estate acquisitions effectively.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Wide Property Type Coverage

We arrange finance for offices, retail units, warehouses, mixed-use buildings, and hospitality properties across the UAE mainland and major free zones.

Business Income Assessment

Our lenders assess commercial applications using business financials, rental income, and asset values, offering more flexibility than standard retail mortgage underwriting criteria.

Owner-Occupied and Investment

Whether you are buying commercial premises for your own business operations or as a pure investment to generate rental income, we identify the most appropriate lending solution.

Competitive Commercial Rates

We negotiate rates across our panel of UAE commercial lenders to ensure you access the most competitive pricing available for your property type and business risk profile.

How It Works

Check Eligibility

We assess your business financials, property type, intended use, and any existing commercial borrowing to determine eligible lenders and your maximum loan size.

Choose Product

We present commercial mortgage options including term loans, revolving facilities, and structured finance, recommending the best fit for your specific business objectives.

Application

We prepare a comprehensive credit pack including business accounts, management information, and property details, and manage all lender dialogue through to credit approval.

Completion

We coordinate legal, valuation, and registration requirements specific to UAE commercial property transactions to ensure a timely and fully compliant completion.

Frequently Asked Questions

What is the typical LTV for a commercial mortgage in the UAE?+

Commercial mortgage LTV ratios in the UAE typically range from 60–70% of the property value, lower than residential products. Higher LTV may be available for prime commercial properties with strong, long-term tenants in place.

Can a foreigner own commercial property in the UAE?+

Yes, foreign nationals can own commercial property in designated freehold areas across Dubai and other emirates. The rules vary by emirate and property location, and we advise on eligible zones and ownership structures during your initial consultation.

What financial documents are needed for a UAE commercial mortgage?+

Lenders typically require two to three years of audited company accounts, six months of business bank statements, a valid trade licence, company formation documents, and full details of the intended property and its current tenancy status.

Are commercial mortgage terms shorter than residential in the UAE?+

Yes, commercial mortgage terms in the UAE are generally shorter, typically five to fifteen years, compared to residential terms of up to 25 years. Balloon payment structures and interest-only periods are also more common in commercial lending.

Can I refinance an existing commercial property mortgage in the UAE?+

Yes, commercial mortgage refinancing is available in the UAE and can be an effective way to release equity, reduce your interest rate, or restructure repayment terms. We assess the full refinancing landscape on your behalf before you proceed.

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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