Answers
Can I get a mortgage on a second property in the UAE?
A short answer, with the article it comes from.
The answer
Yes, with a larger deposit. A second home or investment property caps at 60 percent of its value for an expatriate and 65 percent for a UAE national, whatever the price. Each borrower can claim the higher first home cap on only one property, and your existing mortgage counts in the debt burden test.
CBUAE Circular 31/2013 Articles 3.1 and 3.2, checked 2 October 2026.
Article 3.2 of the circular sets the caps for "Second and Subsequent House or Investment Property": 65 percent for UAE nationals and 60 percent for expatriates, "regardless of value". Of the first home bands it says: "Each borrower can only claim one property under this category."
The affordability test covers everything you already owe. Your current mortgage counts within the 50 percent debt burden limit, and if the new property is an investment, the bank must deduct at least two months of rental income to allow for periods without a tenant.
If the second property is bought off plan, the off plan cap of 50 percent applies instead.
With two mortgages in the picture, the order and structure of the borrowing can matter as much as the rate. A specialist can work it through with your current loan in view.
Rules are the easy part. Your file is the question.
Adding a second property? Talk to a Specialist.