Investment Property Mortgages in the UAE

Maximise your returns in Dubai's high-yield property market with tailored investment mortgage solutions from our specialist team.

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Dubai consistently ranks among the world's highest-yielding property markets, with average gross rental yields of 5–8% and strong capital appreciation in key residential districts. Bradgate Heights helps property investors secure the right financing structures, whether you are purchasing your first investment unit or expanding an existing portfolio across the UAE. We consider both buy-to-let residential mortgages and mixed-use commercial financing to match your investment objectives.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Strong Rental Yield Support

We structure mortgages so that rental income covers or exceeds mortgage payments, helping you build a cash-flow positive portfolio from the very first month.

Portfolio Lending Options

For investors with multiple properties, we work with lenders who offer portfolio-level assessment rather than property-by-property underwriting, unlocking larger loan facilities.

Interest-Only Availability

Certain lenders offer interest-only terms for investment properties, reducing monthly outgoings and improving rental yield calculations during the initial ownership period.

Tax-Efficient Structure

The UAE imposes no personal income tax or capital gains tax on property investments, meaning your rental income and sale proceeds are entirely yours to reinvest or distribute.

How It Works

Check Eligibility

We assess your investment objectives, existing property portfolio, income position, and intended rental yield to determine your optimal borrowing strategy and eligible lenders.

Choose Product

We compare investment mortgage products across our lender panel, focusing on rate, fees, and flexibility for rental income properties that match your yield targets.

Application

We manage the full application and lender liaison, including rental income projections and any specialist investment documentation required by the underwriting team.

Completion

We finalise the purchase with the lender and DLD, and advise on the tenancy registration process through the RERA-regulated Ejari system to protect your rental income.

Frequently Asked Questions

What LTV can I get on an investment property in the UAE?+

Investment property mortgages in the UAE typically offer up to 65–70% LTV for UAE residents purchasing a second or subsequent property. The exact LTV depends on the lender, property type, and your overall financial profile.

Can rental income be used to qualify for a UAE investment mortgage?+

Many UAE lenders will consider anticipated or existing rental income as part of your affordability assessment, particularly if you have a track record as a landlord. Typically 70–80% of gross rental income is counted towards your qualifying income.

Can I get a mortgage on multiple investment properties in the UAE?+

Yes, there is no regulatory cap on the number of mortgaged investment properties you can hold. However, each additional mortgage is factored into your debt burden ratio, which must not exceed 50% of your monthly income under UAE Central Bank rules.

Are UAE investment mortgages available for studio apartments?+

Yes, studio apartments are mortgageable in the UAE, though some lenders impose minimum property value thresholds. We advise on which lenders are most accommodating for smaller investment units in popular rental communities.

What areas of Dubai have the highest rental yields for investment properties?+

Areas such as International City, Discovery Gardens, Jumeirah Village Circle, and Dubai Silicon Oasis historically offer gross yields of 7–9%. Prime areas like Downtown Dubai and Dubai Marina offer 4–6% but with stronger long-term capital appreciation potential.

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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