TFO Private · Private Client
Mortgages for significant property.
Prime villas, penthouses and portfolios need more than a standard application. We structure high-value cases across the UAE lender market, including private banking routes, with one senior point of contact from first conversation to completion.
Who it's for
Is this right for you?
- Buyers of prime and high-value property in Dubai and the UAE
- Investors financing or refinancing property portfolios
- Non-resident and internationally structured buyers
- Clients with complex income, assets or ownership structures
Good to know
What lenders look at
- 01Properties above AED 5 million typically attract lower maximum loan-to-value limits.
- 02Complex income — dividends, overseas earnings, investment income — is assessed differently by each lender.
- 03Private banking routes may consider assets under management or relationship requirements.
- 04Ownership through companies or trusts adds documentation and lender-policy considerations.
Handled in strict confidence
No lender approached without your approval
We shortlist options with you first. Your file goes nowhere until you say so.
Documents go only to the chosen lender
Your information is shared on a need-to-know basis — never circulated to the wider market.
NDA available on request
We are happy to sign a non-disclosure agreement before you share company or personal details.
FAQ
Questions
What is the maximum LTV on a property above AED 5 million?
Under UAE Central Bank rules, caps for high-value residential property are lower than below AED 5 million — broadly 70% for expatriate residents on a first home. Lenders may apply stricter limits.
Can I finance a property held in a company name?
Some lenders do, subject to their policies on company structures, jurisdictions and guarantees. We identify which routes are open before you commit.
Do you work with non-residents?
Yes. We regularly structure cases for buyers living abroad, comparing the lenders that actively support non-resident applicants.
Confidential enquiry