POLICY
MARCH
2026
Featured · POLICY
Reading the U.A.E. Central Bank's 2026 mortgage circular
The revised LTV caps, the definition of a first-time buyer, and what it means for expatriate borrowers acquiring property beyond AED 5 million.
6 min read
FILE 06 / INSIGHTSThe Reading Room
Notes from
a considered practice.
Short, practical notes on U.A.E. mortgage policy, rate structure, documentation, and the small craft of a properly arranged facility. Written by the practice, for clients and peers.
RATE OUTLOOKFEBRUARY 2026
Fixed, variable, or hybrid — structuring for a softening cycle
A disciplined framework for selecting rate structure against your holding horizon, cash-flow profile and exit flexibility.
8 min readRead →
PRACTICEJANUARY 2026
The case against rushing a pre-approval
Why a 48-hour pre-approval is a negotiating instrument — and why clients who treat it as a receipt frequently leave basis points on the table.
5 min readRead →
NON-RESIDENTDECEMBER 2025
Documentation standards for overseas buyers of U.A.E. property
A note on source-of-wealth evidencing, jurisdiction of income, and the practical assembly of a remote mortgage file.
7 min readRead →
REFINANCENOVEMBER 2025
When a bank-to-bank transfer is — and is not — worth the cost
Modelling the total cost of transfer: exit fees, valuation, registration, processing. A worked example across three facilities.
9 min readRead →
COMMERCIALOCTOBER 2025
Underwriting a commercial property on projected yield
How banks assess rental-backed applications, and how a well-prepared cash-flow narrative can change the offered terms.
6 min readRead →
Full articles will be available as the Reading Room is populated. Contact the practice to request the current editorial in PDF form.