Commercial Mortgage UAE — Shops, Offices & Mixed-Use Property
Long-term mortgages up to 75% LTV over tenures to 25 years for shops, office floors, F&B units and mixed-use buildings — owner-occupier or investment, conventional or Islamic.
Top commercial mortgage offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
A commercial mortgage funds the purchase of income-producing or owner-occupied commercial property in the UAE — retail units, office floors, showrooms, F&B spaces, clinics, and mixed-use buildings. It is the workhorse product of commercial real estate finance: long-term, secured on the property, and amortising over a tenure of up to 25 years. Banks lend up to around 75% LTV on stabilised, well-located assets for owner-occupiers, and lower — typically near 60% — for investment property, where rental income must usually cover at least 130% of the repayment. Underwriting weighs your business cash flow, the property’s value from a bank-approved RICS valuation, and the quality of any tenants and leases in place. Both Islamic (Murabaha or Ijara) and conventional structures are widely available. Eligibility rests on 2+ years of audited accounts, a clean AECB record, and clear ownership permissions for your jurisdiction. FinanceMarket.ae compares LTV thresholds, profit rates, and fees across 30+ UAE lenders so you secure the keenest commercial mortgage for your asset and structure.
- Up to 75% LTV on stabilised assets
- Tenure up to 25 years
- Islamic (Murabaha / Ijara) and conventional options
- Side-by-side rate comparison across 30+ lenders
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.