ADCB Penthouse Mortgage
in Dubai Hills Estate

ADCB combines competitive rates (4.35%–5.95%), 7-day pre-approval and deep market experience in Dubai Hills Estate. Abu Dhabi Commercial Bank competitive fixed terms and exemplary client service. For penthouses transactions specifically, the bank's competitive fixed rates for 3–5 year terms makes it a compelling primary lender.

ADCB offers indicative fixed rates of 4.35%–5.95% for 3–5 year terms, with a blended midpoint of approximately 5.15%. Variable rates are typically quoted at EIBOR + a spread. Rates are subject to credit profile, property valuation and prevailing market conditions. Always request an official offer letter before committing.

ADCB offers up to 80% LTV for qualifying residential penthouses in Dubai Hills Estate, subject to property valuation and individual eligibility. Penthouses above AED 5M may attract specialist high-value mortgage structuring Your MRK advisor can help structure the acquisition to maximise your leverage position.

Yes. ADCB provides Sharia-compliant mortgage structures including Ijara and Murabaha products alongside conventional offerings. Profit rates and tenure options are comparable to conventional equivalents, giving clients full flexibility in Dubai Hills Estate.

ADCB charges AED 2,000 as a mortgage origination fee. Additional acquisition costs include: DLD registration (4% of purchase price), property valuation (0.25%–0.5%), mortgage registration (0.25%) and buildings insurance (0.5%–1% per annum). For penthouses, some banks offer relationship-managed mortgage pathways for penthouse transactions

Pre-approval with ADCB typically takes 7 business days for salaried applicants with complete documentation. Final approval follows property valuation and legal review typically 2–3 weeks. Dubai Hills Estate penthouses often benefit from established valuation frameworks, which can accelerate bank review timelines.

ADCB requires a minimum monthly salary of AED 4,500 for mortgage qualification. Debt-to-income ratio must not exceed 50% as per UAE Central Bank regulations. An employment contract with at least 12 months remaining and 6 months of continuous employment history with the current employer are also required.

Standard documentation includes: valid UAE residence visa and passport, last 3 months' salary slips, last 6 months' bank statements, employment letter on company letterhead, proof of down payment (bank statement), and a signed Sales and Purchase Agreement. For penthouses, non-standard layouts require bespoke bank valuations allow additional time MRK's team will prepare a comprehensive application pack on your behalf.