CBD reinstates standard LTV limits — April 2026 restrictions withdrawn
Commercial Bank of Dubai
Commercial Bank of Dubai (CBD) has withdrawn the temporary LTV restrictions it introduced in April 2026, with immediate effect. All mortgage applications now return to the standard, pre-April loan-to-value framework — meaning higher borrowing limits for most buyers.
What’s changed
- The temporary April 2026 LTV restrictions are withdrawn with immediate effect.
- All applications — including pipeline cases — now follow the standard pre-April 2026 LTV framework.
- Off-plan financing: approved projects only.
- Land financing: remains suspended until further notice.
Reinstated LTV framework
| Customer | Property & transaction | LTV |
|---|---|---|
| UAE Nationals | Off-plan — primary, secondary or buy-out | 50% |
| Expats — completed first property | Primary / secondary / buy-out / buy-out + cash-out | 80% if value ≤ AED 5M 70% if value > AED 5M 65% for SE low-doc / non-resident segment |
| Expats — completed second or subsequent | Primary / secondary / buy-out / buy-out + cash-out | 60% |
| Expats — completed | Refinance / top-up | 60% (new-to-bank); top-up: 70% first mortgage, 60% second+, 65% SE low-doc / non-resident |
| Expats | Off-plan — primary, secondary or buy-out | 50% |
| Non-residents | Completed — all transactions | 65% Dubai (first property; second capped 60%) 50% Abu Dhabi properties |
Property value is taken as the lower of market value or purchase price where a valuation report is available.
What it means for borrowers
- Higher borrowing power at CBD again: expats buying a first completed home under AED 5M are back to 80% financing (20% down) — the temporary restriction that lowered this has been removed.
- Good news for buy-out + cash-out: equity release and refinancing return to the standard limits, useful if you’ve been waiting to switch or release equity.
- Off-plan and land unchanged: off-plan stays at 50% on approved projects, and land financing is still paused — plan cash accordingly.
LTV rules differ by bank and change often — we track them all. Check your real borrowing power with our eligibility calculator, or let us compare CBD against 15+ banks free.
Need to talk it through? Mortgease's advisory team can help you map this against your specific situation — free, no obligation.
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