How much deposit do I need for a commercial mortgage in Dubai?
Commercial mortgages need larger deposits than residential. The regulatory maximum LTV is around 80% (20% down), but in practice lenders usually require 20-35% down, and more for non-residents or specialised assets like warehouses. Banks separate owner-occupier loans (business trades from the site) from investment loans (income from rent), underwriting and pricing each differently.
Figures here are indicative as of July 2026 and set by third parties (government, banks, developers) — confirm the current amount before relying on it.
