Land Finance in Dubai, Sharjah, and Abu Dhabi
Found a plot of land you want to buy?
Here's which banks will lend on it and what they need from you.
Land finance is a specialist product. Fewer banks offer it than home loans. The deposit is higher. The rules are stricter. Going to the wrong bank wastes weeks of your time.
Finnequity knows which UAE banks lend on land, which freehold zones they prefer, and what rates they are offering right now. We check your specific plot before we approach a single bank.
Land Finance in Dubai, Sharjah, and Abu Dhabi
Found a plot of land you want to buy?
Here's which banks will lend on it and what they need from you.
Land finance is a specialist product. Fewer banks offer it than home loans. The deposit is higher. The rules are stricter. Going to the wrong bank wastes weeks of your time.
Why Land Finance Requires Specialist Advice
Unlike completed residential properties, land purchases involve additional considerations that lenders assess carefully.
These may include:
Freehold status
Intended use
Infrastructure availability
Valuation requirements
Plot location
Development timelines
Construction plans
Borrower profile
Because lender policies vary significantly, approaching the wrong lender can result in delays or unsuccessful applications.
The key numbers for land finance in 2026
|
What you need to know
|
Land finance
|
Home mortgage (for comparison)
|
|---|---|---|
|
Minimum deposit
|
35% of land value
|
20% of property value (expats)
|
|
Maximum LTV
|
65%
|
75% to 80%
|
|
Rate range (June 2026)
|
4.5% to 6% per year
|
3.85% to 4.25%
|
|
Maximum loan term
|
Up to 15 years (land only)
|
Up to 25 years
|
|
Number of banks offering it
|
Fewer than 10
|
12 or more
|
Figures based on current UAE bank product sheets, June 2026. Rates depend on land location, zone type, and buyer profile.
Why choosing the right bank matters more for land
Not every bank will lend on every plot. Some banks restrict lending to specific freehold zones. Some require the land to be a registered residential plot. Others prefer larger loan sizes.
If you go to the wrong bank, they will decline. That application stays on your credit file. Going to a second bank with a recent decline on your record makes the next application harder.
How Finnequity Evaluates Land Finance Opportunities
Before recommending a financing strategy, our advisors assess:
Plot eligibility
Freehold status
Construction intentions
Long-term financing objectives
Community regulations
Deposit requirements
Lender criteria
Borrowing capacity
This enables clients to understand financing feasibility before committing to a purchase.
Finnequity checks your specific plot against the current lending criteria of every major UAE bank before submitting a single application. We approach only the banks most likely to approve.
Plots Finnequity regularly helps finance
Residential freehold plots in Dubai communities including Dubai Hills, Al Barari, and Jumeirah.
Freehold investment zones in Sharjah including Tilal City and designated residential areas.
Approved freehold zones in Abu Dhabi and regular residential & commercial properties in UAE.
Plots linked to a construction project, financed as a combined land and build facility.
What your free land finance report includes
Confirmation of whether your specific plot is in a bank-approved freehold zone.
Which UAE banks are currently willing to lend on your type of plot.
Current land finance rates and terms from each eligible bank.
The minimum deposit you will need based on the agreed purchase price.
Whether combining land and construction finance in one facility makes sense for your situation.
Client Testimonials
What People Say About Us
Thinking about building on the land too?
If you plan to build after purchasing the plot, Finnequity can structure land finance and construction finance together from the start. A combined facility means one application process, one set of bank fees, and a clear drawdown schedule linked to construction milestones. Ask us about this on your first call.
Check if your plot qualifies for finance today
Plot location and purchase price. That is all we need to get started. Eligibility check and comparison report within 24 hours.
Ready to find out what you can borrow?
Fill in the form. A Finnequity broker will call you within the hour. No fees. No commitment.
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Location
Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai, U.A.E.