Can I get a mortgage as a non-resident?
Yes. Several UAE banks lend to non-residents, usually up to half of the price and with documents of income from your country. We tell you which banks fit your case before you apply.
Inside Mortgage
Mortgage in Dubai
We compare offers from UAE banks, get you pre‑approved before you choose a unit and take the loan through to payout at the transfer.
- Up to 80%
- of the price for a first home
- 25 years
- maximum term
- 8 banks
- we apply to
- Online
- process for non-residents
Banks we work with
One application from you, offers from several banks. We show them side by side: rate, fixed period, fees and early repayment terms.
Emirates NBDFirst Abu Dhabi BankDubai Islamic BankADCBMashreqHSBCRAKBANKCommercial Bank of Dubai
How it goes
Pre‑approval usually takes a few working days, the full approval follows after the bank values the property.
- 01Your case
Income, residency and the price range. One call or one message.
- 02Offers
We send the application to several banks and compare what comes back.
- 03Pre‑approval
A letter from the bank with the amount. Now you choose a unit knowing your budget.
- 04Valuation and offer
The bank values the property and issues the final offer letter.
- 05Transfer
The bank pays the seller at the trustee office, the title deed is issued in your name.
How much the bank can lend
Central Bank caps, as a share of the price. A bank can lend less, never more.
| Case | UAE resident | UAE national | Non-resident |
|---|---|---|---|
| First home up to AED 5 million | 80% | 85% | up to 50% |
| First home above AED 5 million | 70% | 75% | up to 50% |
| Second home and more | 60% | 65% | up to 45% |
| Off-plan | 50% | 50% | up to 45% |
Non-resident limits are set by each bank, not by the Central Bank. Off-plan is financed by fewer banks, more often closer to handover.
Who we help
The profile changes the list of banks and the documents, not whether it is possible.
Salaried
Usually six months of salary slips and a salary certificate. Most banks want a minimum salary from AED 15,000 a month.
Self-employed
Company documents and two years of bank statements. Fewer banks, so the comparison matters more.
Non-residents
Several banks lend from abroad with a larger down payment. We go through it remotely.
Buyout and refinance
Moving the loan to a lower rate or taking equity out of a property you own.
Documents
The bank may ask for more. We send a list for your case before the application.
Everyone
- Passport
- Emirates ID and visa, if you have them
- Six months of bank statements
- Credit report: the bank requests it
Salaried
- Salary certificate
- Six months of salary slips
Self-employed
- Trade licence and memorandum
- Two years of personal and company statements
Non-residents
- Proof of income in your country
- Proof of address
- Statements from your bank
What to know before you apply
01
Age
Most banks want the loan repaid by 65 for salaried borrowers and by 70 for self-employed. This can shorten the term.
02
Debt burden
All monthly loan and card payments together must stay within 50% of the income.
03
Fixed and variable
A fixed rate usually holds for one to five years, then it follows EIBOR plus the bank margin.
04
Early repayment
The fee is capped at 1% of the remaining loan or AED 10,000, whichever is lower.
Questions about a mortgage
Can I get a mortgage for an off-plan property?
Some banks lend on off-plan, usually up to half of the price and for projects they have approved. More often the loan comes at handover to pay the final instalment. We check the project with the banks first.
How long does it take?
Pre‑approval takes a few working days once the documents are in. From the final offer to the transfer it is usually two to four weeks.
Does pre‑approval oblige me to anything?
No. It is the bank’s statement of how much it is ready to lend, usually valid for 60 days. If you choose another property, it is checked again.
What adds to the price besides the down payment?
The DLD fee of 4%, mortgage registration of 0.25% plus AED 290, the bank processing fee and valuation, the trustee office fee and the title deed. The calculator counts them at the upper end.
Get pre‑approved
A mortgage specialist calls you back, asks a few questions and tells you which banks fit your case.