Commercial property finance, arranged privately.
Commercial finance turns on three things. How the bank values the asset. How the bank reads your income. How the bank prices the risk.
Buyers focus on rate. We focus on all three, because that's where the deal is won or lost.
Mortgage advisor since 2023, inside UAE banks before that. You get the perspective that knows how underwriters actually read a file.
No two cases read the same. We tell you honestly once we've seen the numbers whether your deal fits the lending appetite that's out there.
Who we arrange commercial finance for
The business owner buying their own office
You've been renting and the economics now favour ownership. Business Bay, DIFC, JLT. Banks prefer owner-occupier office deals where your company books show the income to service the loan.
The investor adding commercial yield to a residential portfolio
You hold residential assets already and want commercial yield. Usually a self-use office bought through a trading company, or a LAP / LRD structure on an asset you already own. We map your profile to the lender most likely to say yes.
The company buying property in its trading name
Single-entity purchases where the business buys its own premises. This is the self-use path most UAE banks approve. Group-holding structures are possible where the UBO is clear, but rejection risk runs higher and lender appetite is narrower. We tell you plainly whether your structure fits.
Two asset classes. Done properly.
Offices
Business Bay. DIFC. JLT. Downtown. Sheikh Zayed Road corridor. Burj Khalifa district. Banks lend most comfortably where your own business will use the premises. Investment or leased-profile appetite varies — on the first call we tell you where your file converts.
Retail units
Ground-floor retail in Downtown, Business Bay, JLT, City Walk, and emerging corridors. Self-use purchases sit in the mainstream. Already-leased retail is usually cleaner as a LAP or LRD structure, not a standard purchase mortgage.
Other asset classes — selectively, file by file. Talk to us before you assume it doesn't fit.
Three things the bank cares about
Buyers focus on rate. Lenders focus on three other things.
1 · Valuation
Commercial valuations move more than residential. The bank picks the valuer from its own panel. We don't. But choosing the right lender — for your asset, this quarter — is the biggest lever anyone actually holds on how the valuation lands.
2 · Income structure
How your income is documented matters as much as the income itself. Salaried, self-employed, trading-company, group structure — each reads differently at credit committee. Structuring to your strongest documented profile isn't a trick. It's the work.
3 · Risk pricing
Banks don't price commercial risk the same way. Some lean to owner-occupier offices this quarter. Others price retail aggressively. Matching your deal to the right appetite — that's where the rate is actually found.
Where we arrange commercial finance
Business Bay · DIFC (Grade A offices) · JLT · Downtown & Burj Khalifa corridor · Sheikh Zayed Road · Meydan & emerging precincts (selective)
Share the unit you're considering. Before you commit, we tell you which lenders will engage.
Our sweet spot
Commercial mandates from AED 1M upward. This is where structure moves the outcome — and where banks engage in the first place.
Below AED 1M, most UAE banks aren't keen on commercial transactions. Neither are we. If that's where your deal sits, we'll say so on the first call.
The difference a banker makes
Most UAE mortgage advisors have only ever worked on the borrower side. Momentum is run by a UAE banker of nine years, specialising in mortgage advisory since 2023.
Three things change. We know which lender conversations convert — and which waste two weeks. We structure the application the way credit committee wants to read it. And we never over-promise — we tell you whether the deal is ours to arrange after we've seen your paperwork.
Questions we get most often
What LTV can I expect on a Dubai office?
Owner-occupier offices typically sit 60–70% LTV for UAE residents. Leased or investment offices usually lower. Non-resident profiles lower still — some banks won't engage at all. LTV is case-specific. We give you a defensible number once we've seen your documentation.
Can I buy a commercial unit that already has a tenant in it?
Most UAE banks write commercial purchase mortgages around the buyer's intended use of the premises — self-use being the mainstream path. A sitting tenant at the point of purchase doesn't automatically rule that out. What matters is how your intended use going forward is declared and supported. If the plan is to hold the asset as an investment and keep drawing rental income, the cleaner structure is often a LAP or LRD on an already-owned asset, not a standard purchase mortgage. We map the right route once we've seen the lease and your documentation.
Does the finance have to be in my personal name?
Most commercial-purchase cases go to a single trading company that will actually occupy the premises — with the UBO clearly identifiable. Group-holding structures are harder. Rejection risk runs higher and lender appetite is narrower. Offshore free-zone licences (RAKEZ, JAFZA and similar) narrow the field further. On the first call we tell you which side of the line your structure sits on.
How long does a commercial mortgage take in Dubai?
Straightforward office or retail deals with complete documentation typically run 3–5 weeks from file to offer letter. Group-structured deals or unusual profiles take longer. We give you a realistic timeline on the first call — not an optimistic one.
What's your minimum mandate size?
AED 1M upward. Below that, banks aren't keen on commercial and neither are we.
Arranged privately.
Share the outline of your deal. We'll tell you plainly which lenders will engage, what LTV to build around, and whether it's a file worth running.
Confidential. No obligation. Fifteen minutes.