Financing a property in Dubai should be as strategic as the acquisition itself. At Lux Abacus, we don’t simply arrange mortgages — we structure financing to align with your investment objectives, cash flow, and long-term exit strategy.
Through a network of trusted lenders and mortgage specialists experienced in both resident and international buyer profiles, we provide clarity on eligibility, leverage, and optimal lending structures before you commit to a purchase.
Below are the most common mortgage solutions available to Lux Abacus clients:
An offset mortgage links your home loan to your savings or current account balance. Interest is calculated only on the difference between the mortgage amount and the funds held in your account.
This structure can significantly reduce total interest paid and shorten the loan term — ideal for investors holding liquidity who want to optimize borrowing efficiency without locking away capital.
A variable rate mortgage fluctuates in line with market interest rates. Initial rates are often lower than fixed options, offering reduced early repayments.
This structure may suit buyers anticipating rate reductions, short- to mid-term holds, or future refinancing as part of a broader investment strategy.
A variable rate mortgage fluctuates in line with market interest rates. Initial rates are often lower than fixed options, offering reduced early repayments.
This structure may suit buyers anticipating rate reductions, short- to mid-term holds, or future refinancing as part of a broader investment strategy.
With a fixed-rate mortgage, the interest rate remains constant for a defined period — typically between one and five years.
This provides predictable monthly repayments and financial stability, making it well suited to long-term investors or lifestyle buyers seeking certainty in cash-flow planning.
A buyout mortgage allows you to transfer an existing loan to another bank offering more favorable rates, improved terms, or promotional incentives.
Often used to reduce borrowing costs or release equity, this structure can be a strategic tool for optimizing portfolio performance or restructuring debt more efficiently.
Structured in accordance with Sharia finance principles, Islamic mortgages do not charge interest. Instead, banks use asset-backed financing models such as:
Ijara — lease-to-own structure
Murabaha — cost-plus profit purchase agreement
Available to both residents and non-residents, these solutions provide compliant financing while maintaining investment flexibility.
An interest-only mortgage allows borrowers to pay only the interest portion for an initial period — typically 5 to 10 years, resulting in lower upfront monthly payments.
The principal balance is repaid later or upon exit, making this structure particularly attractive for investors targeting capital appreciation, yield arbitrage, or shorter hold horizons.
Your monthly payment will be:
Lux Abacus is a strategic real estate advisory firm built to help investors structure property financing in Dubai with confidence, clarity, and protection. Designed for international and first-time buyers, we remove complexity, lender bias, and financial guesswork by connecting you with vetted mortgage specialists, data-driven borrowing insight, and tailored lending solutions. Our role is simple: ensure every financing decision supports your long-term investment performance, not short-term approvals.
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