Finance for UAE residents buying property abroad.
If you live in the UAE and want to buy property in another country, an international mortgage lets you finance it with a lender that accepts UAE-based income. Criteria depend on the country, the lender and the currency. We help you understand the options and prepare your application. Buying in the UAE from overseas instead? See our non-resident mortgages.
Overseas purchases bring extra questions: currency, local buying rules and how lenders view UAE income. We'll walk you through them before you commit.
Is this right for you?
- UAE residents buying a home in their home country
- Residents investing in property overseas
- Expats planning for their return home
From first call to keys
- Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
- Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
- Pre-approvalWe prepare your application, submit it and follow it up with the bank.
- Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
- Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.
Before you buy abroad.
- Lender appetite. Not every overseas lender accepts UAE income. We focus on those that do.
- Currency. Earning in dirhams and paying in another currency adds exchange-rate risk.
- Local rules. Each country has its own buying costs, taxes and rules for foreign buyers.
- Documents. Expect to provide UAE salary or business documents, bank statements and a credit history.
What you'll usually need
Salaried applicants
- Passport, residence visa and Emirates ID
- Salary certificate from your employer
- Recent payslips and bank statements showing salary credits (usually 6 months)
- Details of existing loans and credit cards
Self-employed and business owners
- Passport, residence visa and Emirates ID
- Trade licence and company documents (such as the memorandum of association)
- Personal and company bank statements (often 6 to 12 months)
- Audited financial statements or proof of business income, where the lender asks for them
Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.
Numbers to know
- Criteria
- Set by the overseas lender and local rules
- Currency risk
- Repayments may be in a different currency from your income
Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.
Your questions, answered.
Can I get a mortgage abroad while living in the UAE?
Is this the same as a non-resident mortgage?
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