Enness Global — Dubai

Under current Central Bank of the UAE rules, expats can typically borrow up to 80% of the property value (loan-to-value) on a first home priced AED 5M or below, and UAE nationals up to 85%. A second or subsequent property is usually capped lower, around 60–65%, and off-plan purchases are typically limited to about 50%. For large and high-value loans, terms are negotiated individually with the lender.

Yes. Enness specialises in high-value and complex finance for high-net-worth and ultra-high-net-worth clients, including million-pound-plus mortgages, and negotiates bespoke terms rather than placing clients into standard products.

Yes. The Dubai team sources finance for property in the UK, Europe and other jurisdictions, including foreign-currency mortgages for clients who earn or hold wealth in different currencies.

Beyond high-value mortgages, Enness arranges bridging finance, securities-backed and Lombard lending, commercial property and development finance, and luxury asset finance such as aircraft, yachts and art.

UAE lenders apply a Debt Burden Ratio: total monthly debt repayments are generally capped at 50% of your monthly income under Central Bank rules, which affects how large a mortgage you can be approved for.

Typical costs include mortgage registration at the Dubai Land Department (0.25% of the loan amount plus a small admin fee), a property valuation fee (commonly around AED 2,500–3,500) and a bank arrangement fee (often around 1% of the loan). Lenders also generally require life and property insurance. Confirm current figures with your broker and lender.

Enness offers an initial consultation to discuss your requirements; there is no published fee schedule and pricing is handled on a case-by-case basis given the bespoke nature of the work. Confirm any fees directly with the broker before proceeding.