Warehouse finance
Finance for buying or refinancing warehouse property, including storage and logistics premises, for owner-occupiers and investors.
- Free initial conversation
- Lenders compared for you
- +971 4 871 4341
- WarehouseProperty typeStorage and logistics premises
- Buy or refinanceTypical purposeFor owner-occupiers and investors
- Case by caseAssessmentUse, location, condition and income
- Lender-specificLoan termsDeposit, term and rate depend on the lender and the property
These are general points about how lenders approach warehouse purchases and refinancing, not fixed rules or terms. Each lender assesses the property, its use and the borrower individually, and we confirm what applies to your case.
Warehouse finance: everything you need to know
Finance for buying or refinancing a warehouse: what lenders look at and how to prepare. 2 min read
Overview
Warehouse finance helps you buy or refinance storage and logistics premises, whether you will use the warehouse yourself or let it to others. It is a specialist form of commercial property finance.
What lenders usually look at
- The warehouse: location, size, title, permitted use and condition
- Whether it is owner-occupied or let, and the income that supports repayment
- The borrower’s financial evidence: company accounts, bank statements or tenancy income
- The lender’s own valuation
Warehouse and industrial property is assessed differently from offices, shops or homes, so lenders may apply their own criteria.
How to prepare
- Confirm the permitted use and any permits for the property
- Gather your company documents and financial statements
- If the warehouse is let, collect the tenancy contracts and rent details
- Decide whether you are buying or refinancing, and what you want the facility to do
Step by step
- 1Share the property
Tell us the location, size, how it is used and whether it is let.
- 2Compare lender options
We identify lenders that may consider industrial premises like yours.
- 3Prepare the application
We help you assemble documents and present a clear file.
- 4Valuation and offer
The lender values the warehouse and decides. We coordinate the remaining steps.
Is this the right route for you?
If one of these sounds like you, this service is a good starting point. If not, we will point you to the option that fits.
- 1Businesses buying a warehouse to operate from
- 2Investors buying a warehouse to let
- 3Owners refinancing an existing warehouse
Worth knowing
Lenders treat warehouse and industrial property differently from offices or homes, and decide case by case.
Permitted use, permits and the lease or business income can all affect what a lender will consider.
What to consider first
- 01
Know the property and its use
Size, location, title, permitted use and condition all shape how a lender values a warehouse.
- 02
Show how it earns or supports the business
Owner-occupiers usually show business accounts. Investors show tenancy contracts and rental income.
- 03
Plan for the valuation
Industrial property is valued on its own basis, so allow time for the lender’s valuation and any follow-up questions.
Documents lenders usually ask for
You don’t need any of these to make an enquiry. We’ll confirm exactly what your lender needs.
- Title deed or sale agreement for the warehouse
- Details of permitted use, land use and any permits
- Tenancy contracts and rental income, if the warehouse is let
- Trade licence and company documents
- Two to three years of financial statements and company bank statements
- Passports and Emirates IDs of the owners and signatories
Yes. Lenders look at permitted use, condition and whether the property is owner-occupied or let, because these affect how they value and assess it.
Often, yes. Lenders usually look at the tenancy contracts and the rental income as part of the assessment.
It is a specialist type of commercial property finance. The same broad ideas apply, but lenders pay particular attention to use, condition and income.
No. The initial conversation is free and does not commit you to anything. Any fees that apply later are explained before you decide to proceed.
No. A pre-approval is issued by the bank after an initial assessment and is conditional. A final offer depends on the property, its valuation and the lender’s full review.