We do not sell listings. We help investors navigate Dubai’s property market with clarity, structure, and protection.
Financing is treated as an integral part of the investment structure rather than a separate administrative step. Lux Abacus coordinates with a network of reputable lenders who specialize in working with international buyers and cross-border financial profiles. Clients receive a clear view of borrowing capacity, interest structures, and repayment scenarios before committing to a property. By aligning financing conditions with the broader investment plan, the process becomes predictable, transparent, and strategically coherent.
Understand the numbers behind your property decision. Use our mortgage payment simulator to estimate your monthly repayments based on the property value, deposit, interest rate, and loan term. It offers a clear starting point for assessing affordability and structuring your investment with greater precision.
Your monthly payment will be:
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.
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.
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.
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.
Lux Abacus is a discreet real estate advisory firm that helps investors approach Dubai’s property market with clarity, structure, and informed perspective. In a landscape often shaped by sales incentives and fragmented information, the firm focuses on reducing noise and framing opportunities within a coherent capital allocation context.
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