Buy-to-Let Mortgages in the UAE
Finance Dubai's highest-yielding investment properties with UAE's most competitive buy-to-let mortgage rates.
Buy-to-let mortgages in the UAE allow investors to finance properties specifically intended for rental income. UAE banks assess buy-to-let applications on both the applicant's salary/income profile and the property's projected rental yield. The UAE property market offers some of the highest rental yields globally — particularly in International City, JVC, Arjan, and Al Warsan — making it an attractive destination for buy-to-let investors.
Key Facts
| Maximum LTV (expats) | 75% (same as owner-occupier) |
| Key buy-to-let areas | JVC, International City, Arjan, JLT, Business Bay |
| Average rental yield (top areas) | 7–11% p.a. |
| Best fixed rate for investors | From 3.49% |
Key Points
- UAE banks do not differentiate between owner-occupier and buy-to-let on LTV — same 75%/80% limits.
- Rental income can sometimes be considered in the debt burden ratio (DBR) calculation.
- High-yield locations (International City, JVC) offer strong cash flow from day one.
Frequently Asked Questions
Can I get a buy-to-let mortgage in Dubai?
Yes, UAE banks finance investment properties. The same LTV limits apply as owner-occupier mortgages — 75% for expats and 80% for UAE nationals on properties under AED 5M.
Which areas have the best rental yields in Dubai?
International City (8–11%), Arjan (7–9%), JVC (6–8%), and JLT (6–8%) are among Dubai's highest-yielding communities. Mortigo helps identify the best combination of yield and financing.
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Overview
Buy-to-let mortgages in the UAE allow investors to finance properties specifically intended for rental income. UAE banks assess buy-to-let applications on both the applicant's salary/income profile and the property's projected rental yield. The UAE property market offers some of the highest rental yields globally — particularly in International City, JVC, Arjan, and Al Warsan — making it an attractive destination for buy-to-let investors.
Key Points
Frequently Asked Questions
Can I get a buy-to-let mortgage in Dubai?
Yes, UAE banks finance investment properties. The same LTV limits apply as owner-occupier mortgages — 75% for expats and 80% for UAE nationals on properties under AED 5M.
Which areas have the best rental yields in Dubai?
International City (8–11%), Arjan (7–9%), JVC (6–8%), and JLT (6–8%) are among Dubai's highest-yielding communities. Mortigo helps identify the best combination of yield and financing.
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