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COMMERCIAL MORTGAGE

STOP
RENTING.
OWN IT.

Commercial mortgages for offices, retail and warehouses.

LTV UP TO

70%

TENOR UP TO

15 YRS

LENDERS APPROACHED

10+

GET A CALL BACK
CHAT WITH AN ADVISOR
ON THE PANEL OF LEADING UAE BANKS
Abu Dhabi Islamic Bank
Standard Chartered
Arab Bank
Commercial Bank of Dubai
Emirates Islamic
Emirates NBD
HSBC
Mashreq
National Bank of Fujairah
RAKBANK
United Arab Bank
Bank of Baroda
Ajman Bank
Dubai Islamic Bank
Sharjah Islamic Bank
First Abu Dhabi Bank

SIXTY SECONDS

Will it fund? Find out.

No impact on your facilities · An advisor calls you

Commercial quick check
Commercial pricing is case-by-case. An advisor scopes it with you by WhatsApp or a call.

IS THIS YOU?

You’ll recognise yourself in one of these.

Three sentences we hear from founders every single week.

“Rent reviews keep punishing us. Owning has started to make sense.”

→ RENT BECOMES EQUITY

“The business is strong. I need a lender who reads past the SME label.”

→ ONE CALL ANSWERS THIS

“I’m acquiring premises with tenants already in place.”

→ THAT’S THE WHOLE JOB

HOW IT HOLDS

A facility is only as good as what it has to carry.

Tenor, LTV and covenants are not paperwork. They decide whether the business can still breathe in year three. We shape the structure around your cash flow first, then take it to the lenders whose appetite actually fits it.

A beam on two legs taking the weight of its load: a facility shaped around what it has to carry.

HOW WE CAN HELP

Whatever your stage, there’s a route.

Seven ways we can structure a commercial mortgage, for offices, buildings and land.

An empty open-plan office floor, ready to fit out

Buying a property

You have found the space. Now you need the finance behind it.

New

A ready property bought straight from the developer.

Resale

A ready property bought from its current owner.

Hand holding out a set of keys

Getting the keys

Your developer is ready to hand over, and the balance is due.

Handover

The balance due when the developer hands over your keys.

Handover + Equity

The handover balance, plus cash released from the same property.

Office building at night with lit windows

Already own one

The property is yours. Now make it work harder for you.

Equity

Cash released from a property you already own.

Buyout

Your mortgage moved to a bank with a better rate.

Buyout + Equity

A switch of bank and a cash release in one move.

Why go through us?

Why not just ask your bank?

You could. These are five places a facility gets stuck at one bank, and what we do with each instead.

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

01
  • WIDER PANEL
AT A BANK

Your relationship manager’s single mandate.

Lenders with genuine appetite for your asset class.

02
  • CREDIT READY FILE
AT A BANK

Accounts handed over raw.

A file packaged the way credit reads it.

03
  • COVENANTS FIRST
AT A BANK

Covenants you discover in the term sheet.

Covenants negotiated before they are drafted.

04
  • BUILT ON CASH FLOW
AT A BANK

Tenor set by policy, not by your cash flow.

Structure shaped around how you actually trade.

05
  • ANY STRUCTURE
AT A BANK

“Company purchases are not supported.”

Company, personal or SPV, all financeable.

Ready?

Ready to scope the facility?

Thirty minutes, decision-maker to decision-maker.

SPEAK WITH AN ADVISOR

THE MONEY, UP FRONT

How commercial pricing works.

Commercial rates are quoted case by case. These are the levers that move yours.

Downtown Dubai skyline in warm evening light
LTV
up to 70%

Owner-occupied assets price best.

THE LEVER THAT MOVES PRICING MOST

TENOR
up to 15 yrs

Shorter than residential, so plan cash flow for it.

STRUCTURE
3 ways

Company, personal name or SPV.

THE HONEST NUMBERS

Commercial rates are set case by case off the bank’s base, which is why packaging and negotiation move the number far more than any published rate sheet. Budget for valuation, legal and registration on top, and expect 4 to 8 weeks to approval. All charges are disclosed before you commit to anything.

Rates are indicative, not offers. Tangerine is an advisory, not a lender.

CALCULATOR

Your premises, in real figures.

Shape the figures to your facility and watch the monthly commitment resolve in real time. No sign-up, no calls.

AED 6,000,000
1M50M
30% · AED 1,800,000
20%60%
15 years
5 yrs15
5.50% p.a.
3.5%8.5%
AED 34,318
AED 5KAED 400K
Estimated monthly
AED 34,318
per month over 15 years
FacilityAED 4,200,000
Down paymentAED 1,800,000
Total interest / profitAED 1,977,151
Total repayableAED 6,177,151
Principal 68%
Interest / Profit 32%
StructureCompany, SPV or personal

01/05

HOW IT GOES

From rent to owning the address.

Four conversations between a rent review and owning the premises.

01

Walk us through the business

Revenue, premises, and where you expect to be in five years. Thirty minutes, decision-maker to decision-maker.

Thirty minutes · No obligation
02

We structure the ask

Tenor, LTV and covenants shaped around your cash flow, then packaged into the file a credit team expects to read.

Structure · Before any bank sees it
03

We place the file

We take it to the lenders whose appetite fits your asset and sector, negotiate the terms, and run valuation and follow-ups.

10+ lenders · Matched to the asset
04

Keys to the premises

Final offer signed, funds released, transfer at the trustee office. We stay on through registration.

Transfer · Fully supported
Tap a step to see it
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
A couple talks through their mortgage with an advisor
01 / 04
Step 01 · Tell us the dream

SUCCESS STORIES

Stories that end at a front door.

Thank you so much for your relentless effort. I appreciate your professionalism; it’s rare to find these days. You are doing it really well, and yes, many more to come.

Dixon Pereira

Tarun made the entire mortgage process seamless. His honest advice, transparency and constant communication gave us complete confidence from start to finish.

Moheba

Tarun kept us updated without us ever having to chase him, compared offers from multiple banks and explained the pros and cons of each. His honest advice gave us complete confidence. Highly recommended.

Hiba & Mohammed

STILL WONDERING

Answers, minus the fine print.

Anything else? WhatsApp us.

What LTV can a business get on premises?

Typically up to 70% of the property value for owner-occupied premises, and less for investment or specialist assets. The asset, your trading history and the structure all move that number; we will tell you where yours lands on the first call.

It depends on how the business is held and what you plan to do with the property. A company or SPV keeps the asset inside the business; a personal name can be simpler to finance. We walk through the trade-offs with you, and your accountant, before anything is filed.

Case by case: the bank’s base rate, usually EIBOR, plus a margin that reflects the asset, the LTV, your trading history and the bank’s appetite. That margin is where packaging and negotiation make the difference.

Usually 4 to 8 weeks to approval once the file is complete: structuring, valuation, the bank’s credit review and the facility offer. Clean financials and a ready file keep it at the short end.

ALSO EXPLORING?

Sharia Home Finance

Off-Plan Mortgage

Non-Resident Mortgage

RESIDENTIAL MORTGAGE

READY WHEN YOU ARE

Let’s get you the keys.

Tell us where you are and an advisor calls you back. No obligation, no pressure.

We provide what is best for you

Nobody here is paid by a bank.

10+ lenders

We approach the ones that fit you.

Clear from the start

All charges are disclosed before you commit.

Prefer to talk? +971 50 312 8955

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