Investment / Buy-to-Let Mortgages
Dubai and the wider UAE offer strong rental yields. Buy-to-let mortgages allow investors to acquire residential units and offset debt servicing using projected rental cash flow.
Key Regulatory Parameters
Reviewed: 2026-10-2160% (Expat) / 65% (National)
Second Property LTV
What It Is
A residential mortgage secured on a property acquired specifically for tenant leasing rather than owner occupation.
Key Features & Structure
- Factoring up to 70% to 80% of projected or existing rental income into debt service calculations.
- Competitive interest and profit rates for high-demand rental corridors.
- Flexible fixed-period terms matching investment holding strategies.
Who It Suits
Local and international property investors looking to generate passive income and capital appreciation in the UAE real estate sector.
Important Things to Consider & Risks
- Under CBUAE rules, second and subsequent residential purchases carry a lower maximum LTV (60% for expats, 65% for nationals).
- Landlords must account for annual service charges, maintenance fees, and periodic tenant vacancies.
Typical Documents Required
- Existing tenancy agreement (Ejari) and rental cheque schedule (if tenanted)
- Property Title Deed and maintenance statement
- Standard personal income and credit documentation
Estimate Your Monthly Payments
Use our client-side calculator to model repayment scenarios under CBUAE rules.
Rate Risk Notice: Fixed rates usually last 1–5 years. After that your rate typically follows EIBOR plus the lender's margin, so payments can go up or down.
Frequently Asked Questions
The independent bank-appointed valuer provides an official assessment of the current fair market rental value.