Commercial & Investment Finance

What It Is

Property as an Investment, Not Just a Home

Commercial and investment finance is for property you intend to earn from or run a business in, rather than simply live in. That covers commercial assets such as offices, retail units, showrooms, and warehouses — and it also covers residential property bought to rent out, the classic buy-to-let apartment or villa held for rental income and long-term value.

It works differently from an owner-occupier home loan in a few important ways. Because the property is an investment, lenders assess the asset and its income potential as much as they assess you — for a buy-to-let, expected rent and yield are part of the picture. These facilities typically ask for a larger deposit (a lower loan-to-value) than a home you'd live in, and the term is sometimes shorter. Pricing and structure are set to the deal rather than a one-size-fits-all product.

In practice, that means there's no single headline number that fits every case — and that's actually an advantage. We work with the banks that are active in commercial and investment lending, look at your goals and the specific asset, and match you to a structure that makes sense. Whether you're buying your first rental unit or expanding a portfolio, we'll tell you plainly what's realistic.

Who It's For

Who Uses This Finance

It suits anyone buying property to generate income or to house their own business, rather than as a place to live.

Property investors buying a buy-to-let apartment or villa for rental income
Landlords growing or refinancing a rental portfolio
Business owners buying their own office, shop, or warehouse instead of renting
Companies and SMEs acquiring commercial premises in the UAE
Resident and overseas investors alike, depending on the lender's criteria
Owners looking to release equity from an existing investment property

Key Benefits

Why Investors Work With Us

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Judged on the Asset

Lenders weigh the property itself — its type, location, and quality — alongside your profile, so a strong asset can strengthen the whole application.

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Structured Around the Income

For buy-to-let and commercial units, expected rent and yield are part of the assessment, so the finance is shaped around how the property actually performs.

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Terms Built Case by Case

Deposit, term, and pricing are set to your specific deal. We compare the lenders active in commercial and investment finance and match you to the right fit.

Illustrative Only

How the Terms Tend to Differ

Commercial and investment finance is assessed case by case, so there's no standard rate card. The points below give a general sense of how it usually differs from an owner-occupier home loan — each is a typical example, not a quote or a commitment to lend.

Larger deposit: investment and commercial purchases generally require a bigger share of the price up front — a lower loan-to-value — than a home you'd live in yourself.
Assessment on the asset and its income: alongside your income and credit, lenders look at the property, its rental potential or yield, and (for owner-occupier commercial) your business financials.
Term: often shorter than a residential mortgage, set to the asset and the deal rather than a fixed maximum.
Rate structure: commonly fixed for an introductory period and then variable — the exact structure depends on the lender and the case.
Transaction costs still apply: the Dubai Land Department transfer fee (about 4% of value), mortgage registration, valuation, agency, and bank arrangement fees apply much as they do on a residential purchase.
No annual property tax: as with all UAE property, there's no yearly property tax — ongoing costs are items like community/service charges and insurance.

These points are illustrative examples only — not a quote, an offer, or a promise of finance. Loan-to-value, term, pricing, fees, and eligibility are subject to UAE Central Bank regulations, individual lender criteria, and your circumstances, and are confirmed only after a full, case-by-case assessment with an Easy One advisor.