Mashreq eases high-risk-segment LTV caps — 70% reinstated for key sectors, 60% for the rest

Further to its 14 July mortgage policy revision, Mashreq has revised LTV limits for its high-risk borrower segments, effective 16 July 2026. The interim rule — a flat 60% LTV/FTV cap across all high-risk categories — is replaced with a two-tier structure that restores 70% LTV to several sectors.

The new two-tier structure

• LTV exceeding the above is treated as a deviation.
• The restriction does not apply to government-backed entities, Fortune 500 companies, or CAT A and CAT B companies as defined under the SFA.
• LTV exceeding the limits defined above, within UAE Central Bank regulatory guidelines, must be reviewed.

What it means for borrowers

• If you work in (or own a business in) aviation, F&B, logistics, oil & gas or trading, your Mashreq borrowing power just rose — a 70% LTV on a AED 2M property is AED 200,000 more financing than the interim 60% cap allowed.
• The 60% tier remains for real estate, construction, hospitality and jewelry sectors — if that’s you, other banks may still offer standard 80% LTV; comparing is worth it.
• Employees of large firms may escape the cap entirely: government-backed entities, Fortune 500 and CAT A/B companies are exempt.
• This follows Mashreq’s broader policy revision of 14 July — the bank is re-opening lending selectively rather than across the board.

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