High-Value
High-value transactions demand a different kind of advisory. We work with clients borrowing above AED 5 million - providing discreet, senior-led guidance from first consultation to final disbursement, with direct access to private banking desks.
Subcategories
03
Advisor-led
Senior
Bank network
20+
In this category
MegaLoans/High-ValueMortgages
For borrowing above AED 5 million, standard bank channels are rarely the right entry point. We work directly with senior credit teams at private banking desks to structure financing around your liquidity profile, asset base, and wealth position.
Direct access to private banking and specialist credit desks at major UAE banks
Bespoke loan structuring around asset base, global income, and risk profile
Senior advisor-led execution from first meeting to disbursement - full discretion
Parameter Detail
Indicative only- Minimum Loan Size
- AED 5,000,000
- Maximum LTV (>AED 5M property)
- 75% residents / 50% non-residents
- Overseas Income Considered
- Yes - rental, investment, and business income accepted
- Lender Access
- Private banking desks and specialist credit teams
- Typical Tenor
- Up to 25 years subject to age and profile
- Turnaround (Indicative)
- 4-8 weeks depending on complexity
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.
UAE&GCCNationals(TailoredSolutions)
UAE and GCC nationals benefit from lending programs that are structurally different to standard expatriate mortgages - including government housing loan integration, extended tenors, and lenders applying more favourable underwriting criteria to national profiles.
Access to national-specific mortgage products and lender programs unavailable to expats
Government housing loan comparison and integration where applicable
Dedicated advisor with experience in national client requirements and documentation
Parameter Detail
Indicative only- LTV Available
- Up to 80% - plus select higher options for nationals
- Government Program Access
- Mohammed Bin Rashid Housing Est. / Sheikh Zayed Housing Program
- Eligible Nationalities
- UAE, Saudi, Kuwaiti, Bahraini, Qatari, Omani nationals
- Extended Tenors
- Up to 30 years at select banks for nationals
- Salary Transfer Requirement
- May be waived at certain banks for national clients
- Islamic Finance Preference
- Murabaha and Ijara widely available and recommended
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.
PrivateClientAdvisory
For clients who require more than a mortgage transaction - a complete financing strategy across multiple assets, jurisdictions, and objectives - we provide a private advisory model. One senior point of contact. Strategy first. Full discretion.
Concierge-style advisory with a dedicated senior advisor from first meeting to completion
Strategy aligned to long-term wealth, asset protection, and portfolio objectives
End-to-end management across all stakeholders - bank, legal counsel, DLD, and developer
Parameter Detail
Indicative only- Engagement Model
- Single senior advisor throughout - no handoffs
- Scope
- Multi-property, cross-bank, multi-jurisdiction advisory available
- Response Commitment
- Dedicated channel - response within 2 hours during business hours
- Documentation
- Full preparation, review, and submission handled by our team
- Legal Coordination
- Property lawyer referral and fee negotiation facilitated
- Post-Completion Review
- Ongoing monitoring and restructuring as objectives evolve
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.
High-Value FAQs
CommonInquiries.
Brief answers to the most frequent mortgage queries, ensuring total clarity before your application.
01Which UAE banks have facilities for mortgages above AED 5 million?
Most major UAE banks have private banking or affluent client divisions handling large mortgage cases. The relevant desk typically requires a warm introduction rather than a walk-in application. We manage this access and introduction on your behalf.
02Is the LTV different for high-value properties?
Yes. The UAE Central Bank caps LTV at 75% for properties above AED 5 million, compared to 80% for lower-value properties. Non-residents are capped at 50% regardless of value. Individual bank policies may be more conservative for ultra-high-value cases.
03Can income from overseas assets be used to qualify?
Yes - in many high-value cases. UAE banks can consider rental income, investment returns, and business income from overseas jurisdictions when adequately documented. We compile and present these income streams in the format banks accept.
04Do UAE nationals receive better mortgage terms than expatriates?
In several cases, yes. Certain lenders apply more favourable underwriting criteria, government housing programs exist exclusively for nationals, and salary transfer requirements are sometimes waived. We identify which bank offers the best national-specific program for your situation.
05Can GCC nationals purchase and finance property in Dubai?
Yes. GCC nationals are treated similarly to UAE nationals for property ownership across most freehold areas and can access comparable mortgage facilities. Specific eligibility and LTV may vary slightly by bank and nationality.
06How does a government housing loan interact with a commercial bank mortgage?
Government housing loans and bank mortgages can sometimes be combined - the housing loan covers one portion and the bank finances the remainder. We assess eligibility and model the optimal combination for your purchase price and profile.
07What makes private client advisory different from standard brokerage?
Standard brokerage handles a transaction. Private advisory handles a relationship. We work across your entire property portfolio, advise on structure before purchase, coordinate legal and DLD requirements, and remain your single point of contact well after completion.
08Is there a minimum loan size for private advisory?
Our private advisory model is designed for clients with borrowing needs above AED 3-5 million, or those with complex profiles - multiple income sources, international assets, or portfolio-level decisions. We will be direct in our first conversation about whether it is the right fit.
09How do you ensure discretion in high-value transactions?
All client information is handled under our Data Protection Policy and kept strictly within the advisory team. We do not share client profiles or transaction details with any third party without explicit written consent.