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Commercial Mortgage in the UAE

Expanding your business or investing in commercial property requires the right financial partner. At BNW Mortgages, we provide specialized commercial finance solutions that empower businesses and investors to access flexible funding for offices, retail units, warehouses, and more — making UAE’s thriving commercial real estate market more accessible than ever.

Access financing up to

AED 50 Million

Repay over flexible terms

from 15 to 20 years.

Competitive rates negotiated

with leading UAE banks.

Commercial Finance Solutions

Our tailored solutions are designed for corporates, SMEs, and investors who want to purchase, refinance, or expand their commercial property portfolio. With access to leading banks and financial institutions, we negotiate the most competitive rates and terms on your behalf.

Financing for office spaces, retail outlets, warehouses, and mixed-use developments.
Flexible repayment structures suited for business cashflows.
Partnerships with all leading UAE banks for wider choices.
Fast approval and streamlined process, guided by experts.

How Does It Work?

Initial Consultation

Our advisors understand your business goals and recommend the most suitable finance structure.

Finding the Best Options

We compare multiple banks to identify the best terms for your commercial financing needs.

Application & Documentation

We assist in preparing your company profile, audited financials, and required documentation for a smooth approval.

Approval & Disbursement

Once approved, funds are disbursed quickly to help you secure your commercial property investment without delay.

Why Choose BNW Mortgages

Expertise in both residential & commercial real estate financing.

Strong relationships with all major UAE banks.

Transparent, ethical, and client-focused approach.

Tailored advice for SMEs, corporates, and individual investors.

Who Can Apply

BNW Commercial Finance is available for:

Registered businesses in the UAE (LLCs, free-zone, mainland).

International companies with UAE operations.

Individual investors looking to expand their commercial property portfolio.

(Our advisors ensure your application is fully compliant with the requirements of your chosen bank, removing stress and delays from the process.)

Frequently
Asked Questions

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Commercial mortgages can be used to finance a variety of property types, including office buildings, retail outlets, industrial warehouses, logistics centers, hotels, hospitals, multi-family residences, and mixed-use developments.

Lenders usually ask for trade licenses, audited financial statements, tax returns, company profile, ownership details, property valuation reports, and a business plan. Exact requirements depend on the bank and type of property.

The interest rate depends on creditworthiness, company financials, loan-to-value ratio, property type, and current market rates. Banks may offer fixed, variable, or hybrid rate options.

Approval generally takes 30–90 days, depending on the complexity of the deal, completeness of documents, and bank appraisal timelines. BNW helps speed up the process by handling paperwork and liaising directly with lenders.

Yes. Refinancing allows you to benefit from lower interest rates, better cash flow, extended tenors, or unlocking equity for reinvestment or business expansion.

Commercial mortgages are meant for business or investment properties and often have higher loan amounts, shorter tenors, and stricter eligibility checks compared to residential mortgages, which are used for personal home ownership.

We offer direct access to all major UAE banks, tailor-made financing structures, transparent guidance, and end-to-end support so you can focus on your business while we manage the mortgage process.

Some banks may charge prepayment fees if you repay your loan early. This varies from lender to lender, and BNW ensures you understand these terms upfront before committing.

Most banks finance 60–70% of the commercial property’s value, though this may vary based on property type and borrower profile.

Repayment terms usually range between 10–20 years, with some banks offering shorter or longer durations depending on the property and applicant profile.

Yes, but approval depends on the business model, financial backing, and future revenue potential. Established companies with strong cash flow usually find it easier, but BNW advisors can structure applications to strengthen startup cases as well.

Yes, in certain cases. Some banks extend commercial financing to non-residents or international firms with UAE operations, provided they meet documentation and eligibility requirements.

Apart from interest rates, banks may charge arrangement fees, valuation charges, processing fees, and insurance premiums. BNW ensures complete transparency of all costs before you proceed.