Beyond Residential: Exploring Commercial Mortgage Opportunities in Dubai

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Holo Team


The United Arab Emirates (UAE) boasts a vibrant real estate market, drawing investors worldwide. While residential properties have traditionally been in the spotlight, there's a growing interest in non-residential options like commercial and investment properties. In this piece, we'll delve into the range of mortgage products tailored for non-residential properties in Dubai, shedding light on the opportunities and considerations for potential investors in this dynamic market.

Commercial properties in Dubai present diverse opportunities for businesses aiming to establish themselves in the region. From office spaces to retail outlets, the country's burgeoning economy sets a fertile ground for commercial endeavours. Here are crucial considerations for securing a commercial mortgage in Dubai.

Eligibility and Requirements

Criteria for commercial mortgages may vary among banks. Generally, businesses registered in Dubai with a proven financial track record stand a better chance. Lenders assess the business's financial health, creditworthiness, and property purpose, emphasising the need for a robust business plan and financial records before applying.

Interest Rates and Terms

Interest rates for commercial mortgages vary widely, necessitating thorough comparison for optimal deals. Fixed and variable rate options abound, with loan terms spanning 5 to 15 years, contingent on the lender and property type.

Down Payments and Fees

Down payments for commercial mortgages typically exceed those for residential properties, often ranging from 20% to 30% of the property value. Prepare for additional fees such as processing and legal charges.

The UAE's real estate market presents an array of opportunities for investors and businesses seeking non-residential properties. Whether establishing or expanding a business or diversifying investment portfolios, securing a mortgage loan for non-residential properties proves viable.

Thorough research and evaluation are crucial, given variations in eligibility criteria, interest rates, and terms among lenders. Seek counsel from financial and legal experts to align investments with long-term goals and UAE regulations before you start your mortgage application.

With proper planning and diligence, non-residential properties in Dubai can bolster real estate portfolios or business expansion strategies, contributing to overall financial success in this dynamic market. If considering a commercial property loan, consult with a commercial mortgage advisor at Holo and we will help you explore your options.

Find out more about our commercial mortgage services and mortgage products.