Luxury Property Mortgages in the UAE

Bespoke high-value mortgage solutions for Palm Jumeirah, Emirates Hills, and Dubai's most prestigious addresses.

Dubai's luxury property market is one of the most dynamic in the world, attracting ultra-high-net-worth buyers from across the globe. Financing a luxury property purchase in the UAE requires a lender that understands complex income structures, international asset portfolios, and the nuances of high-value property valuation. Bradgate Heights has extensive experience arranging high-value mortgages for luxury villas, penthouses, and signature developments across Dubai's most coveted prime locations.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

High-Value Specialist Lenders

We work with UAE private banking divisions and specialist high-net-worth lenders who are experienced in underwriting complex, high-value mortgage applications with discretion.

Discreet and Personalised Service

Our luxury mortgage clients receive a fully discreet, personalised service with direct access to senior advisors and confidential handling of all financial and personal information.

Complex Income Structures

High-net-worth buyers often have income from multiple sources including dividends, carried interest, business distributions, and international assets — all presented compellingly to lenders.

Prime Location Expertise

We have arranged mortgages on properties across Palm Jumeirah, Emirates Hills, Dubai Hills Estate, Jumeirah Bay Island, and Downtown Dubai's most iconic residential buildings.

How It Works

Check Eligibility

We conduct a comprehensive review of your wealth profile, income sources, existing liabilities, and the target property to identify the most appropriate high-value lenders for your situation.

Choose Product

We present bespoke high-value mortgage proposals including private banking terms, wealth management linkages, and any preferential pricing available for your financial profile.

Application

We prepare a detailed credit presentation that highlights your financial strength and the quality of the asset, managing all lender interactions with professionalism and full discretion.

Completion

We coordinate with your legal team, the developer or vendor, and the DLD to ensure a smooth high-value completion that meets the expectations and timelines of all parties involved.

Frequently Asked Questions

What is the maximum loan size for a UAE luxury property mortgage?+

There is no regulatory cap on individual mortgage sizes in the UAE. High-value transactions are assessed on a case-by-case basis by private banking divisions, with individual loan amounts of AED 20 million and above regularly arranged for qualifying clients.

What LTV is available on luxury UAE properties above AED 5 million?+

For properties valued above AED 5 million, the UAE Central Bank cap is 65% LTV for UAE nationals and expatriate residents, requiring a minimum 35% deposit. For non-residents the cap is typically 60–65% depending on lender policy.

Can I use international assets as collateral for a UAE luxury mortgage?+

Some UAE private banks will consider international assets as additional security or will lend on the strength of a global financial profile. This is negotiated individually and we advise on which lenders take the most holistic view of a client's overall wealth.

Do UAE private banks offer better rates than retail banks for luxury mortgages?+

Private banking divisions often offer preferential rates for clients who maintain significant assets under management with the bank. We assess the full relationship cost and benefit, not just the headline mortgage rate, when presenting private banking options.

Can I get a mortgage on a Dubai luxury off-plan property?+

Yes, off-plan mortgages are available for luxury developments in the UAE. Given the profile of luxury buyers, many developers also offer bespoke payment plans that can reduce or delay the need for bank finance during the construction period.

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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