How UAE nationals, Emirati royal family members, and UAE-based high-net-worth individuals who own property in Manhattan, Miami, Los Angeles, Aspen, and across America's premium real estate markets can release the equity they have built, without US banks refusing to lend against sovereign wealth-adjacent structures or declining to assess dirhams as qualifying income
The United Arab Emirates, and Dubai in particular, has established itself over the past two decades as one of the world's most significant sources of ultra-high-net-worth real estate investment capital. Emirati royal family members, government-linked investment entities operating as private wealth vehicles, and the extraordinary concentration of globally mobile ultra-high-net-worth individuals who have made Dubai their primary base have all contributed to a UAE presence in American premium real estate that is substantial, growing, and specifically concentrated in the markets that the globally mobile ultra-high-net-worth community favours.
UAE high-net-worth owners of US real estate are found in Manhattan, where Emirati and UAE-based buyers have been consistent ultra-prime residential investors since the early 2000s, with particular concentration on Billionaires' Row and in the Upper East Side. In Miami, where the UAE high-net-worth community has established significant positions in Fisher Island, Bal Harbour, and the premium Brickell residential market. In Los Angeles, where Bel Air, Beverly Hills, and the Bird Streets have attracted significant UAE investment. In Aspen, where Middle Eastern ultra-high-net-worth buyers value the privacy infrastructure of the mountain resort community alongside the skiing and lifestyle credentials.
The UAE equity release barrier is rooted in the sovereign wealth and royal family-adjacent structure of much UAE high-net-worth investment, structures that US bank compliance teams find complex and in some cases politically sensitive, alongside the AED-denominated income, the offshore holding entities commonly used by UAE high-net-worth buyers, and the absence of US credit history.
This is the Unlocked in America: UAE High-Net-Worth Owners of US Real Estate guide — part of the Unlocked in America series by Global Mortgage Group and America Mortgages.
What UAE High-Net-Worth Owners Have Built in US Real Estate
Manhattan: Billionaires' Row and the Upper East Side
UAE buyers have established significant ultra-prime Manhattan positions — 432 Park Avenue, One57, and the Upper East Side's most prestigious addresses have all
attracted UAE investment. The values of these properties have appreciated substantially from purchase prices paid in the early to mid-2010s.
Miami, Los Angeles, and Aspen
Fisher Island, Bal Harbour, Beverly Hills, Bel Air, and Aspen's Red Mountain and Starwood communities have all attracted significant UAE ultra-high-net-worth investment. The privacy infrastructure and the service quality of these markets are consistent draws for UAE buyers.
GMG's Equity Release Solution for UAE High-Net-Worth Owners
- Loan size: USD 500,000 to USD 100,000,000+
- Term: 6 to 24 months
- LTV: Up to 65–70% of independently appraised US market value
- Interest: Retained or rolled up — no monthly payment
- No US credit history or SSN required
- AED income and UAE corporate income — considered within asset-led assessment
- UAE holding companies, DIFC-registered entities, BVI and Cayman structures — all considered
- Sovereign wealth-adjacent and royal family-connected structures assessed on a case-by-case basis with appropriate due diligence
- Security: Manhattan, Miami, Los Angeles, Aspen, and all major US markets with significant UAE high-net-worth ownership
- Timeline: Term sheet 24–48 hours; drawdown 10–20 business days
Contact Donald Klip
Email: [email protected]
Phone: +65 9773-0273
Website: gmg.asia
America Mortgages: americamortgages.com
