Buying a second property in Dubai — whether for investment or as an additional home — follows different lending rules than your first purchase. Planning around these differences keeps your portfolio growing smoothly.
Lower LTV on additional properties
For second and subsequent properties, lenders generally require a larger deposit — often around 35% (65% LTV) for residents. This reflects the higher risk of multiple exposures and means you should plan more upfront cash than for your first home.
How income and rental are assessed
Your existing mortgage commitments count toward your Debt Burden Ratio, reducing how much more you can borrow. Some lenders consider a portion of expected rental income to support affordability, but policies vary — presenting a complete financial picture is essential.
Structuring for portfolio growth
Keep exposure manageable, maintain strong repayment history, and compare lenders who are comfortable with investor profiles. A mortgage advisor can help you sequence purchases and structure financing so your portfolio can keep expanding.