Whether you are buying your first home, growing a portfolio or bridging a short-term gap, the right finance structure can matter as much as the property itself.
I help residents, overseas investors and developers access the capital they need, using bank lending, developer payment plans and private funding to fit each deal.
I look at your goals, cash flow and timeline, then build the strategy that gets you there with the least friction and the lowest overall cost.
I compare offers across UAE banks to secure the right rate, term and structure. Resident expats can borrow up to 80% on a first home valued at AED 5 million or less, with lower limits on higher-value and additional properties. I handle pre-approval, valuation and paperwork so you negotiate as a ready buyer.
A resident couple buys a AED 2.5M apartment in Dubai Hills. With 80% finance they borrow AED 2M and put down AED 500K plus purchase costs.
You do not need to live in the UAE to finance a Dubai property. Several banks lend to overseas buyers, usually at lower loan-to-value ratios and with specific income and documentation requirements. I know which lenders suit which nationalities and income profiles.
A UK-based investor buys a AED 1.8M townhouse as a rental. I place the loan with a bank that accepts UK salary income, so the purchase completes without relocating.
Many off-plan plans end with a large lump sum due at handover, often 40–60% of the price. Instead of finding that cash, I arrange a mortgage on the completed unit to settle the final payment with the developer.
An investor has paid 50% of a AED 1.6M unit during construction. At handover, a mortgage covers the remaining AED 800K, so they get the keys and start earning rent.
I source off-plan projects approved by banks for lending while construction is under way. Instead of paying every instalment in cash, you can use bank finance, capped at 50% for off-plan property, to fund part of the payment plan.
A buyer reserves a AED 2M off-plan villa. After the initial instalments, a construction-stage mortgage funds the remaining milestone payments, reducing the cash needed upfront.
Some developers let you keep paying for two to five years after you receive the keys. I identify these projects and model how rental income can cover all or most of the remaining instalments.
A AED 1.2M apartment on a 60/40 post-handover plan lets the owner pay the last AED 480K over three years while the unit is already rented out.
If your current mortgage rate or terms are no longer competitive, I can move the loan to a new bank. Many banks offer incentives to switch, which can offset the cost of moving.
A homeowner on a high variable rate switches to a lower fixed rate for three years, reducing their monthly payment and gaining budget certainty.
If your property has risen in value or your loan has come down, you may be sitting on equity you can put to work. A cash-out refinance or equity release unlocks that value to fund your next deposit.
A villa bought for AED 3M is now valued at AED 4.5M with AED 1.5M left on the mortgage. Releasing part of that equity funds the deposit on a second investment.
When timing matters, a bank may be too slow. Bridge finance from private lenders provides short-term funding, typically for weeks or months, secured against property while a sale or long-term mortgage is arranged.
A buyer finds a well-priced villa that must complete in 10 days, before their current home sells. A bridge loan funds the purchase and is repaid once the sale completes.
Mezzanine finance sits between senior bank debt and your own equity. It suits larger investors and developers who want to reduce the equity they put into a project, at a higher cost than bank debt.
A AED 50M project has 60% bank funding and 20% developer equity. A mezzanine lender provides the remaining 20%, keeping the developer's capital free for other deals.
For clients who prefer Sharia-compliant options, I arrange home finance structured as Ijara (lease-to-own) or Murabaha (cost-plus sale) through Islamic banks, often with terms comparable to conventional mortgages.
A family buying a AED 3M villa chooses Ijara: the bank owns the property and leases it to them until the final payment transfers ownership.
Beyond homes, I help clients fund offices, retail units, warehouses and ground-up developments. These deals rely on rental income, business performance or project feasibility rather than personal salary alone.
A business owner buys the office they currently rent for AED 4M, financed against the company's income, turning rent into an asset.
Property investment can qualify you for a UAE Golden Visa. I structure the purchase and finance so the deal supports your residency goals as well as your investment ones.
We check how the finance and ownership structure affect visa eligibility before you commit, so there are no surprises later.
We discuss your goals, budget, timeline and current position.
I recommend the finance structure, or combination of structures, that fits the deal.
I approach the right banks, developers or private lenders and negotiate terms.
I manage applications, valuations and documents through to transfer or drawdown.
I review your position as rates and values change, and flag refinancing or equity opportunities.
Whether you are buying, refinancing or scaling a portfolio, a short conversation can reveal options you did not know you had.
Whether you are buying, financing or scaling a portfolio, a short conversation can reveal options you did not know you had.