Investors & portfolios

Buy-to-let, second properties and multi-unit portfolios, financed and structured across lenders as your holdings grow.

Run the calculator → Book a consultation

WHO IT'S FOR

For buyers building a portfolio.

Buy-to-let investorsPurchasing to let, with rental income factored into what you can borrow.

Second-property buyersAdding an investment property alongside a primary residence.

Portfolio holdersMultiple units across one or more developments, financed and refinanced over time.

Yield-focused buyersStructuring finance around net rental yield, not just the purchase price.

ELIGIBILITY & THE NUMBERS

Where this typically lands.

Indicative figures: every case is confirmed against the specific bank, property and buyer profile.

40%+Minimum deposit, investment property

Multi-bankPortfolios structured across the panel

Rental incomeCounted toward affordability, bank-dependent

HOW IT WORKS

Financing that scales with your portfolio.

Portfolio reviewWe look at what you own, what you owe, and what capacity you have left across the panel.

Per-property structuringEach purchase is matched to the lender best suited to that property and your existing exposure with other banks.

Rental income assessmentWhere a bank counts rental income toward affordability, we build the file to support it.

Staggered applicationsApplications are sequenced so one doesn't work against the affordability of the next.

Refinance to fund the next purchaseEquity in existing properties can sometimes be released to fund a further acquisition.

A NOTE FROM THE DESK

"A second or third mortgage isn't just a bigger version of the first; each bank looks at your existing exposure differently, and the sequence you apply in matters."

FREQUENTLY ASKED

Common questions.

Does rental income count toward what I can borrow?

Some banks will factor in a portion of expected or existing rental income when assessing affordability; others assess purely on your personal income. This varies by lender, which is one reason portfolio buyers benefit from comparing across the panel rather than one bank.

How many mortgages can I hold at once?

There's no fixed UAE-wide limit, but each bank assesses your total debt service ratio across all borrowing, so your capacity for a third or fourth property depends on your income and existing commitments.

Can I release equity from one property to buy another?

In many cases, yes, subject to the property's current value, your outstanding balance, and the lender's refinance policy. We review this as part of a portfolio plan.

Ready to see your own numbers?

Run the calculator for an indicative repayment, or book a call with the desk to structure the finance for this exact case.