High-Value & Luxury Mortgages
Financing luxury villas, penthouses, and prime estates requires private banking discretion, bespoke affordability assessment, and experienced liaison.
Key Regulatory Parameters
Reviewed: 2026-10-2170% (Expat) / 75% (National)
Max LTV (> AED 5M)
What It Is
Mortgage facilities for properties exceeding AED 10 million, evaluated through private client risk desks capable of considering global wealth, asset portfolios, and dividend income.
Key Features & Structure
- Tailored terms for prime luxury communities (Palm Jumeirah, Emirates Hills, Dubai Hills, Jumeirah Bay).
- Ability to incorporate multi-jurisdictional assets and complex income streams.
- Relationship pricing and dedicated private banking underwriting channels.
Who It Suits
High-net-worth individuals (HNWIs), family office principals, and international executives purchasing prime UAE properties.
Important Things to Consider & Risks
- Central Bank rules require a minimum 30% down payment for expatriates on purchases above AED 5 million.
- Specialist luxury valuations are mandated by lenders.
Typical Documents Required
- Comprehensive wealth and asset portfolio schedule
- Audited accounts or corporate dividend statements
- Enhanced KYC documentation satisfying international AML requirements
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
While standard retail guidelines apply up to AED 10M–15M, private banking desks can underwrite loans of AED 25M, 50M, or more depending on borrower wealth and lender policy.