A client approached us to refinance and release equity from a villa in Dubai, using overseas income to support the borrowing.
- British National
- UAE Resident
- AED 11,500,000
- 3 Year Fixed, 25 Year Term
- LTV 55.00% / Rate 4.39% / Fee 0.50%
Ordinarily, UAE lenders do not assess overseas income where the borrower holds UAE residency or personal liabilities. That is unless they cancel residency and accept higher non‑resident pricing.
In this case, we secured a lender willing to base affordability solely on the client’s UK business income while still granting resident rates. This allowed the client to refinance at almost 3% lower than the previous rate, release additional equity for further investment and still reduce monthly mortgage payments.