What is LTV on a UAE mortgage?
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Answer: Loan-to-value is the mortgage as a percentage of the property's value — an AED 1.6M loan on an AED 2M home is 80% LTV. The UAE caps LTV at 85% (nationals) / 80% (expats) for first homes up to AED 5M, 70% above that, and 60% for second properties.
Banks lend against the lower of the purchase price and their own valuation — if the valuation comes in low, your effective LTV rises and you may need more cash. We sanity-check valuations before you commit.
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