MORTGAGES & VISAS
LTV (loan-to-value)
Also searched as: loan to value
The share of a property’s value a UAE bank may lend. For expats: up to 80% on a first property under AED 5M (75% above), less on second properties and off-plan (typically 50%). UAE nationals get 5% more in each band. The rest is your cash down payment.
Remember the fees stack on top of the deposit: 4% DLD, trustee, commission and bank costs mean a “20% down” purchase really needs roughly 27% cash. The mortgage tool models the true upfront figure.
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This explains the general case. If LTV has come up in a live deal of yours, talk to the team: specific answers, registered numbers, no obligation.