CoreMortgageSolutions
Dubai's property market moves fast. We make sure your financing keeps pace - with the right lender, the right structure, and zero wasted time. Our team covers every core pathway to property ownership and investment across Dubai.
Subcategories
04
Advisor-led
Senior
Bank network
20+
In this category
ResidentialMortgages
Whether you are buying your first home or adding to your portfolio, we identify the best mortgage structure across 20+ lenders - securing approval faster and on better terms than approaching banks directly.
“Trusted by 1000s of buyers across Dubai.”
LTV up to 80% for UAE residents on properties under AED 5 million
Salaried and self-employed profiles accepted - we structure and present both
Full documentation support from pre-approval through to disbursement
Parameter Detail
Indicative only- Maximum LTV (Resident, <AED 5M)
- 80%
- Maximum LTV (Resident, >AED 5M)
- 75%
- Minimum Monthly Income (typical)
- AED 12,000
- Maximum Tenor
- 25 years / up to age 65-70
- Debt Burden Ratio (DBR) Cap
- 50% of net monthly income
- Processing Time (indicative)
- 2-4 weeks from application
All figures shown are indicative and based on standard UAE market parameters. Eligibility criteria, rates, and loan-to-value ratios vary by lender, applicant profile, and property type. This is not a credit offer. Contact SS Finance for a personalised assessment.
CommercialPropertyFinance
From retail units to office space and mixed-use assets, we source commercial financing with terms structured around your rental yield, business cash flow, and long-term investment return - across conventional and Islamic facilities.
“Access to 20+ lenders, including dedicated commercial desks.”
LTV up to 65% on commercial properties with demonstrable rental yield
Flexible tenors aligned to asset class, occupancy, and borrower income profile
Valuation, legal fee coordination, and end-to-end lender liaison included
Parameter Detail
Indicative only- Maximum LTV (Commercial)
- Up to 65%
- Eligible Asset Types
- Retail, Office, Mixed-Use, Warehouse
- Minimum Finance Amount
- AED 1,000,000
- Rental Yield Threshold
- Minimum 6-7% (lender-dependent)
- Finance Type
- Conventional and Islamic options available
- Typical Processing Time
- 4-6 weeks
All figures shown are indicative and based on standard UAE market parameters. Eligibility criteria, rates, and loan-to-value ratios vary by lender, applicant profile, and property type. This is not a credit offer. Contact SS Finance for a personalised assessment.
Land&PlotFinancing
Land financing in the UAE is purpose-specific and lender-dependent. We match buyers and investors to the right facility based on intended use, plot classification, and development timeline - avoiding the common mistake of applying to the wrong bank.
Eligibility assessment for residential and commercial plots in freehold zones
Loan structuring aligned to your development plan and construction timeline
Guidance on DLD registration, valuation requirements, and bank documentation
Parameter Detail
Indicative only- Maximum LTV (Residential Plot)
- Up to 65%
- Maximum LTV (Commercial Plot)
- Up to 55%
- Eligible Zones
- Freehold areas approved for expat and national ownership
- Minimum Plot Value
- AED 500,000 (lender-dependent)
- Construction Loan Linkage
- Available - bridge to build finance on approval
- Eligible Buyers
- UAE residents and select non-resident nationals
All figures shown are indicative and based on standard UAE market parameters. Eligibility criteria, rates, and loan-to-value ratios vary by lender, applicant profile, and property type. This is not a credit offer. Contact SS Finance for a personalised assessment.
Off-Plan/UnderConstructionMortgages
SS Finance works with buyers purchasing off-plan from RERA-registered developers, aligning bank policies, developer payment plans, and disbursement stages so your financing never falls out of step with your project.
Bank policy review for developer and project eligibility before you commit
Disbursement structured in tranches aligned to verified construction milestones
Milestone-based tracking with coordinated communication between lender and developer
Parameter Detail
Indicative only- Maximum LTV (Off-Plan)
- 50% of property value
- Eligible Projects
- RERA-registered, bank-approved developers only
- Minimum Down Payment
- 50% + DLD fees
- Disbursement Method
- Tranche-based, milestone-verified
- Handover Financing
- Converts to standard mortgage at completion
- Islamic Option
- Available across major developer projects
All figures shown are indicative and based on standard UAE market parameters. Eligibility criteria, rates, and loan-to-value ratios vary by lender, applicant profile, and property type. This is not a credit offer. Contact SS Finance for a personalised assessment.
Core Mortgage Solutions FAQs
CommonInquiries.
Brief answers to the most frequent mortgage queries, ensuring total clarity before your application.
01What is the maximum LTV for a first property in Dubai?
UAE residents purchasing their first property under AED 5 million can access up to 80% LTV. Properties above AED 5 million are capped at 75%. Non-residents are limited to 50% regardless of value.
02Can salaried and self-employed applicants both qualify?
Yes. Most lenders accept both profiles, though self-employed applicants typically need 2 years of audited accounts and a more structured presentation. We specialise in packaging complex income profiles.
03How long does mortgage approval take in the UAE?
A conditional pre-approval typically takes 2-5 business days. Final approval, valuation, and disbursement generally takes 3-5 weeks depending on the lender and property type.
04Can I finance a commercial property that is already tenanted?
Yes - an existing tenancy with a solid lease strengthens your application by demonstrating rental income. We present tenancy contracts and yield calculations directly to lenders.
05What LTV is available on commercial properties?
Most UAE banks offer 60-65% LTV on commercial assets, compared to 75-80% for residential. The exact ratio depends on asset type, location, and the borrower's income profile.
06Is Islamic finance available for commercial purchases?
Yes. Several major UAE banks offer Ijara and Murabaha structures for commercial properties with comparable terms to conventional financing. We compare both options to identify the best fit.
07Can non-UAE nationals finance a land purchase?
Select UAE banks offer plot financing to expatriate residents and GCC nationals in designated freehold zones. Eligibility varies significantly by lender - we identify which banks will consider your profile before you submit a single application.
08Can I finance both land purchase and construction in one facility?
Yes - some lenders offer combined land and construction facilities disbursed in tranches as building milestones are reached. We structure these as a single application where possible.
09What documentation is required for a plot loan?
Beyond standard income and identity documents, you will need the plot's title deed or sale agreement, DLD approvals, and in some cases initial development plans. We review and prepare all documentation before submission.
10Which off-plan projects can be financed?
Banks only finance off-plan properties from RERA-registered developers on their approved list. This list varies by bank - we verify eligibility across all our banking partners before you commit.
11How does disbursement work for under-construction properties?
Funds are released in tranches aligned to construction completion milestones, certified by the developer and confirmed by the bank. We coordinate between all parties to prevent delays.
12What happens when my off-plan property is handed over?
Upon handover, your construction facility converts to a standard residential mortgage. We manage this transition - including updated valuation, title deed registration, and refinancing if a better rate is available at that point.