Capability 03 of 10

Lease Rent Discounting (LRD) & Real Estate Mortgages

Need financing against a Dubai property or rental income stream?

Check Property Finance Check Eligibility

A completed residential community in Dubai in late afternoon light

Senior Secured Real Estate DebtCompleted assets, unlocked value

Overview

Alongside Lease Rent Discounting against future rental streams, we facilitate conventional senior secured development debt extended directly against real estate asset security — suited to developers with an established delivery track record.

Download Real Estate Developer Finance Sheet

What this route delivers

Eligible security: land, unsold inventory (min. 50% construction complete), sold-out inventory, receivables, or ready inventory
Eligibility: developer must have completed at least one prior project
Registered security interest over the chosen asset class
Under-construction inventory eligible once at least 50% complete; exceptions discussed deal-by-deal

Key Parameters

Key parameters at a glance

Indicative parameters only. Actual terms are subject to assessment, documentation and the relevant financing institution's approval.

Facility Size

Up to AED 60,000,000

Loan-to-Value

Up to 60% LTV (higher available for ready inventory)

Interest / Profit Rate

12% per annum

Term

2 to 4 years

Check Property Finance Check Eligibility

You don't need a complete package to start. Submit the basic transaction details first — we'll tell you what additional documents are required.

Who It Suits

Is this suitable for you?

This may be suitable if you have:

Eligible real estate asset: land, inventory, or income-producing property
At least one prior completed project, for developer debt
Defined rental income stream, for lease rent discounting
Facility requirement broadly within the AED 60M range
Ability to register security over the chosen asset

Final eligibility depends on transaction assessment and the relevant financing institution.

What We Need From You

What we'll typically ask for

For a first review, we'll typically ask for:

Title deed or project ownership documents
Lease agreements or rental income schedule, where applicable
Developer track record, for under-construction inventory
Valuation report or basis for asset value

Additional documents may be requested after the initial assessment.

Related Capabilities

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Adjacent routes that often sit alongside this one.

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