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Commercial Property Mortgage

Financing for your commercial real estate ventures.

Secure the future of your business with finance built for offices, retail outlets and industrial property, whether you buy personally or through your company.

Pay Capitals Mortgage Solutions Mortgage solutions
in partnership with Pay Capitals
60% Typical loan-to-value
15 yrs Common maximum tenure
2 routes Company or personal purchase
What we finance

Commercial property of every kind

01

Office space

Floors and fitted units in business districts and free zones.

02

Retail outlets

Shops and showrooms, vacant or with a tenant in place.

03

Industrial & warehouses

Logistics, storage and light industrial facilities.

04

Mixed-use buildings

Whole buildings combining residential and commercial income.

Commercial finance with Pay Capital

The right funding to expand your business operations

Finding the right financing for a commercial property investment matters as much as finding the property. Our mortgage consultants tailor every structure so you secure the funding you need without tying up the working capital your business runs on.

Whether you are buying office space, a retail outlet or an industrial property, we guide you through the mortgage process from start to finish. We take time to understand your requirements and financial objectives before we recommend anything.

You get a team committed to your success: we explore financing options with you, handle the legal and documentation requirements and help you make informed decisions at every stage.

What is included

  • Business property loans Lenders with appetite for commercial assets and larger tickets.
  • Customised repayment plans Schedules shaped around your cash flow and lease income.
  • Expert commercial advice Title, service charge and lease checks before you commit.
  • Competitive interest rates Rates, fees and covenants negotiated as one package.
Book a free consultation
Choose your structure

Buy through your company or in your own name

Common for income investors

Personal purchase

Borrower
You as an individual
Income assessed
Salary or business income plus existing rent
Guarantees
Usually none beyond the property
Best for
Investors buying tenanted units
Commercial calculator

Model repayments on a commercial purchase

Commercial loans usually need a larger deposit and shorter tenure. Adjust the figures to see what that means each month.

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  • Estimated purchase costs (DLD 4%, registration, bank fees)AED 0
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Before you apply

What lenders look for

Who can apply

  • Business trading for at least 2 years, with audited accounts
  • A down payment of typically 40 to 50% of the property value
  • A location and asset class the lender will finance
  • Rental or business income that comfortably covers repayments
  • Clean personal and company credit history

Criteria vary between lenders. We check your profile against each bank before you apply.

Documents checklist

  1. Trade licence, MOA and articles of association
  2. 2 to 3 years of audited financial statements
  3. 12 months of company bank statements
  4. Shareholder passports, visas and Emirates IDs
  5. Board resolution approving the purchase
  1. Passport, visa and Emirates ID
  2. Salary certificate or business financials
  3. 6 to 12 months of personal bank statements
  4. Existing tenancy contract, if the unit is leased
  5. Title deed or MOU for the property
Questions, answered

Commercial mortgage questions

What types of commercial property can be financed?

Offices, retail outlets, warehouses and other industrial property, plus mixed-use buildings. Each bank has its own appetite by asset class and location, which is why we approach the ones that suit your deal.

How much deposit do I need?

Most lenders finance around 50 to 60% of the valuation, so plan for a 40 to 50% deposit plus transaction costs. Strong trading history or a quality tenant can improve the terms.

Can I buy through my company?

Yes. Many banks lend to companies for commercial property, usually with personal guarantees from the main shareholders.

Does rental income count towards affordability?

For tenanted property, lenders typically count part of the rent under the existing lease. Lease length and tenant quality both matter.

What loan tenures are available?

Commercial tenures are shorter than residential, commonly 10 to 15 years, with longer terms for strong profiles.

Free consultation

Talk to a mortgage advisor

Tell us a little about your plans and our team will get back to you.

Prefer to talk now? +971 52 705 1497
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