Non-resident mortgages in the UAE
You do not need a UAE residence visa to finance a Dubai property. A defined group of banks lends to non-residents, typically requiring a larger deposit, commonly 40–50% of the purchase price, plus income and asset evidence from your home country translated into the bank's format.
Nationality and source of income shape which lenders are open to you. Some banks maintain approved-country lists, others focus on the employer or the type of income being declared. Getting this mapping right at the outset avoids the most common frustration for overseas buyers: a promising conversation that stalls three weeks into underwriting.
Most of the process runs remotely. Documents are certified and couriered or submitted digitally, signing can be handled through a power of attorney, and only the property registration stage typically requires a representative in Dubai.
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What we need to get you an answer
- Passport copy and proof of overseas address
- 6 months of overseas bank statements
- Home-country income evidence or tax returns
- Credit report from your country of residence, where available
- Power of attorney if you will not travel for signing
From 3.75% p.a.
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Indicative figures only. Final rates and approvals are subject to bank assessment, eligibility and UAE Central Bank guidelines.
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AED 1,600,000
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For non-residents, common questions
Can a non-resident get a mortgage in Dubai?
Yes. Several UAE banks offer non-resident mortgages, usually at 50–60% loan-to-value, meaning a deposit of at least 40% of the purchase price plus transaction costs.
Do I need to fly to Dubai to complete?
Not necessarily. Most stages can be handled remotely with certified documents, and a power of attorney can cover signing and registration on your behalf.