Mortgages for Company-Owned Property
Many investors hold real estate through holding companies, free zone entities, or Abu Dhabi Global Market (ADGM) Special Purpose Vehicles for estate planning and asset protection.
Key Regulatory Parameters
Reviewed: 2026-10-21Full UBO Audit
Corporate Due Diligence
2026-10-21
Review Date
What It Is
A commercial or residential mortgage where the registered legal owner of the asset is a corporate entity, with shareholders providing personal guarantees.
Key Features & Structure
- Allows multi-shareholder structuring, corporate succession, and inheritance planning.
- Compatibility with approved corporate registries (e.g., JAFZA offshore, DMCC, ADGM, DIFC).
- Keeps personal and corporate property holdings compartmentalized.
Who It Suits
Family offices, corporate groups, and private investors structuring property portfolios through holding companies.
Important Things to Consider & Risks
- Only specific lenders accommodate corporate property ownership structures; policies vary.
- Lenders mandate complete transparency of Ultimate Beneficial Owners (UBO) down to natural persons.
- Shareholders are typically required to sign joint and several personal guarantees.
Typical Documents Required
- Certificate of Incorporation, MOA, Articles of Association, and Register of Members
- Board Resolution authorizing the property purchase and borrowing
- Full KYC and passport documentation for all beneficial shareholders (>5%)
- Corporate bank statements and financial records
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
No. Lenders generally require approved structures (such as JAFZA offshore or ADGM SPVs) registered with the land department, and all ultimate beneficial owners must satisfy KYC scrutiny.