{"id":86,"date":"2017-03-14T09:42:07","date_gmt":"2017-03-14T09:42:07","guid":{"rendered":"https:\/\/www.mortgagefinder.ae\/blog\/?p=86"},"modified":"2025-09-22T15:34:28","modified_gmt":"2025-09-22T15:34:28","slug":"what-types-of-property-can-be-used-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.mortgagefinder.ae\/blog\/what-types-of-property-can-be-used-for-a-mortgage\/","title":{"rendered":"Property Types in Mortgage: What You Can Use to Secure Your Home Loan in the UAE"},"content":{"rendered":"\n<p><img src=\"https:\/\/www.propertynews.ae\/wp-content\/uploads\/2022\/02\/4-1-1.jpg\" alt=\"A guide to the types of mortgages available in UAE - PropertyNews.ae\" \/><\/p>\n\n\n\n<p>When applying for a mortgage in the UAE, one of the key factors lenders consider is the type of property you\u2019re purchasing. Not all properties are treated equally by banks\u2014some are more straightforward to finance, while others may come with stricter conditions or additional requirements.<\/p>\n\n\n\n<p>Understanding the different property types in mortgage can help you plan better, avoid delays, and choose a property that aligns with your financing options.<\/p>\n\n\n\n<p>In this guide, we\u2019ll explore the main property categories that can be mortgaged in the UAE, the factors banks look at, and tips for making the right decision.<\/p>\n\n\n\n<h2>Why Property Type Matters in a Mortgage<\/h2>\n\n\n\n<p>Lenders assess risk before granting any loan, and property type plays a big role in that evaluation. Banks want to ensure that:<br><br><\/p>\n\n\n\n<ul><li data-start=\"1076\" data-end=\"1136\">\n<p class=\"p1\">\u2022The property is marketable and easy to resell if needed.<br><br><br><\/p>\n<\/li><li data-start=\"1137\" data-end=\"1263\">\n<p class=\"p1\">\u2022It complies with regulations set by the Dubai Land Department (DLD), Abu Dhabi Municipality, or other emirate authorities.<br><br><br><\/p>\n<\/li><li data-start=\"1264\" data-end=\"1337\">\n<p class=\"p1\">\u2022The project is from a reputable developer with a strong track record.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<p><strong>If a property falls into a \u201chigher risk\u201d category, the bank may:<br><br><\/strong><\/p>\n\n\n\n<ul><li data-start=\"1406\" data-end=\"1427\">\n<p class=\"p1\">\u2022Refuse financing,<br><br><br><\/p>\n<\/li><li data-start=\"1428\" data-end=\"1475\">\n<p class=\"p1\">\u2022Offer a lower loan-to-value (LTV) ratio, or<br><br><br><\/p>\n<\/li><li data-start=\"1476\" data-end=\"1510\">\n<p class=\"p1\">\u2022Require a higher down payment.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h2>Main Property Types in Mortgage in the UAE<br><\/h2>\n\n\n\n<p>Here\u2019s an overview of the property categories most commonly used for mortgages:<br><br><\/p>\n\n\n\n<h3>1. <strong data-start=\"1656\" data-end=\"1689\">Completed Freehold Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"1692\" data-end=\"1787\">\n<p class=\"p1\">\u2022<strong data-start=\"1694\" data-end=\"1709\">Description<\/strong>: Properties that are fully constructed, registered, and ready for handover.<br><br><br><\/p>\n<\/li><li data-start=\"1788\" data-end=\"1888\">\n<p class=\"p1\">\u2022<strong data-start=\"1790\" data-end=\"1805\">Eligibility<\/strong>: These are the easiest properties to finance because banks see them as low-risk.<br><br><br><\/p>\n<\/li><li data-start=\"1889\" data-end=\"2009\">\n<p class=\"p1\">\u2022<strong data-start=\"1891\" data-end=\"1903\">Examples<\/strong>: Apartments or villas in established communities like Downtown Dubai, Dubai Marina, or Saadiyat Island.<br><br><br><\/p>\n<\/li><li data-start=\"2010\" data-end=\"2107\">\n<p class=\"p1\">\u2022<strong data-start=\"2012\" data-end=\"2025\">Financing<\/strong>: Expats can borrow up to 75\u201380% of the property value (depending on the price).<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>2. <strong data-start=\"2121\" data-end=\"2144\">Off-Plan Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"2147\" data-end=\"2240\">\n<p class=\"p1\">\u2022<strong data-start=\"2149\" data-end=\"2164\">Description<\/strong>: Properties still under construction, purchased directly from developers.<br><br><br><\/p>\n<\/li><li data-start=\"2241\" data-end=\"2358\">\n<p data-start=\"2243\" data-end=\"2358\"><strong data-start=\"2243\" data-end=\"2258\">\u2022Eligibility<\/strong>: Most UAE banks do not finance off-plan purchases until the property is completed and registered.<br><br><br><\/p>\n<\/li><li data-start=\"2359\" data-end=\"2518\">\n<p data-start=\"2361\" data-end=\"2518\"><strong data-start=\"2361\" data-end=\"2375\">\u2022Exceptions<\/strong>: Some banks provide financing for off-plan projects from top-tier developers (e.g., Emaar, Aldar) once construction reaches a certain stage.<br><br><br><\/p>\n<\/li><li data-start=\"2519\" data-end=\"2633\">\n<p data-start=\"2521\" data-end=\"2633\"><strong data-start=\"2521\" data-end=\"2528\">\u2022Tip<\/strong>: If you plan to mortgage an off-plan unit, confirm with both the bank and developer before committing.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>3. <strong data-start=\"2647\" data-end=\"2671\">Leasehold Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"2674\" data-end=\"2751\">\n<p data-start=\"2676\" data-end=\"2751\"><strong data-start=\"2676\" data-end=\"2691\">\u2022Description<\/strong>: Properties bought on a long-term lease (often 99 years).<br><br><br><\/p>\n<\/li><li data-start=\"2752\" data-end=\"2881\">\n<p data-start=\"2754\" data-end=\"2881\"><strong data-start=\"2754\" data-end=\"2769\">\u2022Eligibility<\/strong>: Some banks offer mortgages for leasehold properties, but terms may be more restrictive compared to freehold.<br><br><br><\/p>\n<\/li><li data-start=\"2882\" data-end=\"2986\">\n<p data-start=\"2884\" data-end=\"2986\"><strong data-start=\"2884\" data-end=\"2901\">\u2022Consideration<\/strong>: Always check the lease length and conditions, as they impact the bank\u2019s decision.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>4. <strong data-start=\"3000\" data-end=\"3026\">Ready-to-Move-In Homes<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"3029\" data-end=\"3119\">\n<p data-start=\"3031\" data-end=\"3119\"><strong data-start=\"3031\" data-end=\"3046\">\u2022Description<\/strong>: Properties that are complete and immediately available for occupancy.<br><br><br><\/p>\n<\/li><li data-start=\"3120\" data-end=\"3185\">\n<p data-start=\"3122\" data-end=\"3185\"><strong data-start=\"3122\" data-end=\"3137\">\u2022Eligibility<\/strong>: Favored by banks as they carry minimal risk.<br><br><br><\/p>\n<\/li><li data-start=\"3186\" data-end=\"3288\">\n<p data-start=\"3188\" data-end=\"3288\"><strong data-start=\"3188\" data-end=\"3199\">\u2022Benefit<\/strong>: Buyers can start repayments immediately and move into their property without waiting.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>5. <strong data-start=\"3302\" data-end=\"3339\">Residential Apartments and Villas<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"3342\" data-end=\"3415\">\n<p data-start=\"3344\" data-end=\"3415\"><strong data-start=\"3344\" data-end=\"3359\">\u2022Description<\/strong>: The most common property types mortgaged in the UAE.<br><br><br><\/p>\n<\/li><li data-start=\"3416\" data-end=\"3509\">\n<p data-start=\"3418\" data-end=\"3509\"><strong data-start=\"3418\" data-end=\"3433\">\u2022Eligibility<\/strong>: Generally straightforward, provided the project is approved by the bank.<br><br><br><\/p>\n<\/li><li data-start=\"3510\" data-end=\"3611\">\n<p data-start=\"3512\" data-end=\"3611\"><strong data-start=\"3512\" data-end=\"3524\">\u2022Examples<\/strong>: Apartments in Business Bay, villas in Arabian Ranches, or townhouses in Yas Island.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>6. <strong data-start=\"3625\" data-end=\"3639\">Townhouses<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"3642\" data-end=\"3747\">\n<p data-start=\"3644\" data-end=\"3747\"><strong data-start=\"3644\" data-end=\"3659\">\u2022Description<\/strong>: Hybrid properties between apartments and villas, often located in gated communities.<br><br><br><\/p>\n<\/li><li data-start=\"3748\" data-end=\"3859\">\n<p data-start=\"3750\" data-end=\"3859\"><strong data-start=\"3750\" data-end=\"3765\">\u2022Eligibility<\/strong>: Most banks finance townhouses, especially in master developments by recognized developers.<br><br><br><\/p>\n<\/li><li data-start=\"3860\" data-end=\"3943\">\n<p data-start=\"3862\" data-end=\"3943\"><strong data-start=\"3862\" data-end=\"3869\">\u2022Tip<\/strong>: Check service charges, as they impact affordability and bank approval.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>7. <strong data-start=\"3957\" data-end=\"3982\">Commercial Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"3985\" data-end=\"4045\">\n<p data-start=\"3987\" data-end=\"4045\"><strong data-start=\"3987\" data-end=\"4002\">\u2022Description<\/strong>: Offices, warehouses, and retail spaces.<br><br><br><\/p>\n<\/li><li data-start=\"4046\" data-end=\"4195\">\n<p data-start=\"4048\" data-end=\"4195\"><strong data-start=\"4048\" data-end=\"4063\">\u2022Eligibility<\/strong>: Some banks offer mortgages for commercial properties, but with stricter conditions, lower LTV ratios, and higher interest rates.<br><br><br><\/p>\n<\/li><li data-start=\"4196\" data-end=\"4303\">\n<p data-start=\"4198\" data-end=\"4303\"><strong data-start=\"4198\" data-end=\"4215\">\u2022Consideration<\/strong>: These mortgages are usually available for business entities rather than individuals.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>8. <strong data-start=\"4317\" data-end=\"4342\">Investment Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"4345\" data-end=\"4433\">\n<p data-start=\"4347\" data-end=\"4433\"><strong data-start=\"4347\" data-end=\"4362\">\u2022Description<\/strong>: Properties purchased to generate rental income rather than live in.<br><br><br><\/p>\n<\/li><li data-start=\"4434\" data-end=\"4590\">\n<p data-start=\"4436\" data-end=\"4590\"><strong data-start=\"4436\" data-end=\"4451\">\u2022Eligibility<\/strong>: Banks provide financing for investment properties, though they may consider rental yield and buyer\u2019s financial profile before approval.<br><br><br><\/p>\n<\/li><li data-start=\"4591\" data-end=\"4675\">\n<p data-start=\"4593\" data-end=\"4675\"><strong data-start=\"4593\" data-end=\"4604\">\u2022Example<\/strong>: Buying an apartment in Dubai Marina for short-term rental purposes.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>9. <strong data-start=\"4689\" data-end=\"4710\">Luxury Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"4713\" data-end=\"4786\">\n<p data-start=\"4715\" data-end=\"4786\"><strong data-start=\"4715\" data-end=\"4730\">\u2022Description<\/strong>: High-value villas or penthouses above AED 5 million.<br><br><br><\/p>\n<\/li><li data-start=\"4787\" data-end=\"4886\">\n<p data-start=\"4789\" data-end=\"4886\"><strong data-start=\"4789\" data-end=\"4804\">\u2022Eligibility<\/strong>: Mortgages are available but with stricter LTV limits (often capped at 60\u201365%).<br><br><br><\/p>\n<\/li><li data-start=\"4887\" data-end=\"4979\">\n<p data-start=\"4889\" data-end=\"4979\"><strong data-start=\"4889\" data-end=\"4906\">\u2022Consideration<\/strong>: Buyers must show strong financial stability and income documentation.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h3>10. <strong data-start=\"4994\" data-end=\"5014\">Older Properties<br><br><\/strong><\/h3>\n\n\n\n<ul><li data-start=\"5017\" data-end=\"5076\">\n<p data-start=\"5019\" data-end=\"5076\"><strong data-start=\"5019\" data-end=\"5034\">\u2022Description<\/strong>: Units built more than 20\u201325 years ago.<br><br><br><\/p>\n<\/li><li data-start=\"5077\" data-end=\"5189\">\n<p data-start=\"5079\" data-end=\"5189\"><strong data-start=\"5079\" data-end=\"5094\">\u2022Eligibility<\/strong>: Some banks are reluctant to finance older buildings due to resale and maintenance concerns.<br><br><br><\/p>\n<\/li><li data-start=\"5190\" data-end=\"5306\">\n<p data-start=\"5192\" data-end=\"5306\"><strong data-start=\"5192\" data-end=\"5199\">\u2022Tip<\/strong>: If considering an older property, work with a mortgage advisor to identify banks willing to approve it.<br><br><br><\/p>\n<\/li><\/ul>\n\n\n\n<h2>Factors That Influence Property Eligibility<br><\/h2>\n\n\n\n<p><strong>Even within the same property type, banks may apply different rules depending on:<br><br><\/strong><\/p>\n\n\n\n<ol><li> <strong data-start=\"5451\" data-end=\"5475\" style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Developer Reputation<\/strong><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> \u2013 Properties by well-known developers (Emaar, Aldar, Nakheel) are more easily financed.<\/span><p data-start=\"5451\" data-end=\"5565\"><br><br><\/p> <\/li><li> <strong data-start=\"5569\" data-end=\"5591\" style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Community Approval<\/strong><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> \u2013 Banks maintain an internal list of approved projects. If your property isn\u2019t on it, financing may be difficult.<\/span><p data-start=\"5569\" data-end=\"5707\"><br><br><\/p> <\/li><li> <strong data-start=\"5711\" data-end=\"5729\" style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Property Value<\/strong><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> \u2013 Mortgages have minimum thresholds. If the unit is too cheap (below AED 500,000 in some cases), financing may not be available.<\/span><p data-start=\"5711\" data-end=\"5860\"><br><br><\/p> <\/li><li> <strong data-start=\"5864\" data-end=\"5881\" style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Buyer Profile<\/strong><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> \u2013 Your income, nationality, and residency status also play a role.<\/span><p data-start=\"5864\" data-end=\"5950\"><br><br><\/p> <\/li><li> <strong data-start=\"5954\" data-end=\"5976\" style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\">Property Condition<\/strong><span style=\"font-size: revert; color: initial; font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, Oxygen-Sans, Ubuntu, Cantarell, &quot;Helvetica Neue&quot;, sans-serif;\"> \u2013 Newer, well-maintained units are favored over older, deteriorating ones.<\/span><p data-start=\"5954\" data-end=\"6053\"><br><br><\/p> <\/li><\/ol>\n\n\n\n<h2>Tips for Choosing the Right Property for a Mortgage<br><\/h2>\n\n\n\n<ul><li> <p data-start=\"6120\" data-end=\"6201\"><strong data-start=\"6120\" data-end=\"6151\">\u2022Check with Banks Beforehand<\/strong>: Ask if the property is on their approved list.<br><br><br><\/p> <\/li><li> <p data-start=\"6204\" data-end=\"6301\"><strong data-start=\"6204\" data-end=\"6226\">\u2022Work with a Broker<\/strong>: Mortgage brokers can quickly confirm which property types are eligible.<br><br><br><\/p> <\/li><li> <p data-start=\"6304\" data-end=\"6436\"><strong data-start=\"6304\" data-end=\"6323\">\u2022Budget for Fees<\/strong>: Different property types may carry different upfront fees (e.g., higher registration costs for luxury homes).<br><br><br><\/p> <\/li><li> <p data-start=\"6439\" data-end=\"6565\"><strong data-start=\"6439\" data-end=\"6458\">\u2022Think Long-Term<\/strong>: Ensure the property type supports your lifestyle and investment goals, not just financing availability.<\/p><br><br> <\/li><\/ul>\n\n\n\n<p>When it comes to property types in mortgage, not all homes are equal in the eyes of UAE banks. Completed freehold properties and ready-to-move-in units are the easiest to finance, while off-plan, commercial, or older <br>properties may come with stricter terms.<br><br><\/p>\n\n\n\n<p>Understanding how lenders evaluate property types allows you to plan better, save time, and improve your chances of mortgage approval. Before making an offer, always check with your bank or mortgage broker to confirm financing eligibility\u2014this ensures your dream home remains within reach.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"https:\/\/www.mortgagefinder.ae\/en\/calculator\">Calculate your mortgage repayments and get pre-approved within 24 hours.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.propertyfinder.ae\/en\/search?l=1&amp;q=&amp;c=1&amp;t=&amp;pf=&amp;pt=&amp;bf=&amp;bt=&amp;af=&amp;at=&amp;kw=\">Search for properties for sale in Dubai.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.propertyfinder.ae\/en\/search?l=6&amp;q=&amp;c=1&amp;t=&amp;pf=&amp;pt=&amp;bf=&amp;bt=&amp;af=&amp;at=&amp;kw=\">Search for properties for sale in Abu Dhabi.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.propertyfinder.ae\/en\/search?l=3&amp;q=&amp;c=1&amp;t=&amp;pf=&amp;pt=&amp;bf=&amp;bt=&amp;af=&amp;at=&amp;kw=\">Search for properties for sale in Ras Al Khaimah<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.propertyfinder.ae\/en\/search?l=4&amp;q=&amp;c=1&amp;t=&amp;pf=&amp;pt=&amp;bf=&amp;bt=&amp;af=&amp;at=&amp;kw=\">Search for properties for sale in Sharjah.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.propertyfinder.ae\/en\/search?l=5&amp;q=&amp;c=1&amp;t=&amp;pf=&amp;pt=&amp;bf=&amp;bt=&amp;af=&amp;at=&amp;kw=\">Search for properties for sale in Ajman<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n","protected":false},"excerpt":{"rendered":"<p>When applying for a mortgage in the UAE, one of the key factors lenders consider is the type of property you\u2019re purchasing. Not all properties are treated equally by banks\u2014some are more straightforward to finance, while others may come with stricter conditions or additional requirements. Understanding the different property types in mortgage can help you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Property Types in Mortgage: What You Can Use to Secure Your Home Loan in the UAE - Mortgage Finder Blog<\/title>\n<meta name=\"description\" content=\"These days most complete residential and commercial properties within Dubai and Abu Dhabi can be mortgaged, but each bank has their own lending policies...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mortgagefinder.ae\/blog\/what-types-of-property-can-be-used-for-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Property Types in Mortgage: What You Can Use to Secure Your Home Loan in the UAE - 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