A Loan Against Property (LAP) allows property owners to raise substantial financing by mortgaging eligible residential, commercial or industrial property in the UAE.

It can be an effective solution for business owners and investors who want to access larger amounts of funding while continuing to retain ownership and use of their property.

How It Works

Property as Security
Your property is mortgaged to the bank as security while ownership remains with you, subject to the terms of the facility.

Higher Financing Amounts
Depending on the property type, valuation, income profile and bank policy, financing may be available against a significant percentage of the property’s market value.

Longer Repayment Tenor
Property-backed finance generally offers longer repayment periods than unsecured business loans, helping reduce monthly repayment pressure.

Flexible Use of Funds
Funds may be used for a variety of purposes, including:

• Business expansion
• Working capital
• Purchasing another property
• Investment requirements
• Refinancing existing liabilities
• Other eligible business or personal requirements

Key Benefits

Competitive Interest Rates
Because the facility is secured against property, pricing can generally be more competitive than unsecured financing.

Access to Larger Funding
Unlock substantial capital from an existing property without having to sell the asset.

Flexible Repayment
Longer repayment periods can help businesses and property owners manage cash flow more effectively.

Retain Your Property
Continue to own and, where applicable, occupy or lease the property while accessing its financial value.

How Reliance Helps

Reliance Banking Services Consultancy works with a wide network of banks and financial institutions to identify suitable property-backed financing options across the UAE.

We can assist with:

• Residential, commercial and industrial properties
• Properties located across the UAE
• Financing against land and unconstructed plots, including cases where funding options may be limited with traditional lenders
• Maximising the eligible loan amount and property valuation
• Comparing suitable banks based on the property and client profile
• Negotiating interest rates, fees, tenor and facility terms
• Coordinating valuation, documentation and the application through approval and disbursement

Our objective is to structure the facility around both the value of your property and your financing requirement, helping you achieve the most suitable terms available.