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● Non-Resident Mortgages

UAE mortgages for buyers living overseas.

A non-resident mortgage is a UAE home loan for buyers who don't live in the UAE. Fewer banks offer them, and they usually ask for a bigger down payment and more income evidence than for residents. We identify the lenders that suit your country, income and property, and manage the application remotely.

Each lender sets its own loan-to-value limit, accepted countries and minimum income for non-residents. The maximum term is 25 years, as for all UAE mortgages. We confirm the exact terms for your profile before you commit to a property.

● Free, no-obligation advice

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Tell us a little about your plan. An adviser will call you within 2 working hours during office hours.

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● Who it's for

Is this right for you?

  • Professionals and business owners living outside the UAE
  • Investors buying a holiday home or rental property in Dubai
  • Buyers relocating to the UAE soon who don't yet hold a residence visa
● How it works

From first call to keys

  1. Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
  2. Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
  3. Pre-approvalWe prepare your application, submit it and follow it up with the bank.
  4. Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
  5. Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.
● How we help

Built for long-distance applications.

  • Lender matching. Only some banks lend to non-residents, and each accepts different countries and income types. We match you to the right ones.
  • Remote process. Most steps can be done by email, video call and courier, with signing arranged around your visits.
  • Clear costs upfront. We set out the down payment, buying costs and bank fees so there are no surprises.
  • Salaried and self-employed. We help you present overseas salary or business income the way UAE lenders need to see it.
  • Property checks. We confirm early whether the bank will finance the specific project or building.
  • Ongoing support. Once you own the property, we can review your mortgage when your fixed rate ends.
● Documents

What you'll usually need

Non-residents

  • Passport
  • Proof of income from your home country (salary certificate or business documents)
  • Recent personal bank statements
  • Credit report from your home country, where available
  • Proof of address

Property documents

  • Memorandum of understanding (Form F) or sale agreement
  • Title deed or Oqood (for off-plan) of the property
  • Valuation report (arranged by the lender)

Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.

● Key facts

Numbers to know

Maximum term
25 years
Loan-to-value for non-residents
Set by each lender, usually lower than for residents
Down payment source
Must be your own funds, not borrowed (Central Bank rule)

Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.

● Common questions

Your questions, answered.

Can I get a mortgage in Dubai without UAE residency?
Yes. A number of UAE banks offer mortgages to non-residents, subject to their own criteria for nationality, country of residence, income and the property.
How much deposit will I need as a non-resident?
Each lender sets its own maximum loan-to-value for non-residents, and it's usually lower than the 80% allowed for resident expats on a first home. We'll confirm the exact figure for your profile and property.
Do I need to travel to the UAE?
Much of the process can be done remotely. Some banks require you to sign certain documents in person or through an approved channel. We'll plan this around your schedule.
Can self-employed non-residents apply?
Yes, with company documents and bank statements that show steady business income. Requirements vary more between banks for self-employed applicants.
Can I buy off-plan as a non-resident?
Some lenders finance off-plan property for non-residents, but the Central Bank caps off-plan lending at 50% of the value for all buyers. Many buyers finance at handover instead.
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● Read next
● Related mortgages

Looking at something else?

Explore other mortgage options for different properties and buyer profiles.

Home LoansVillas, apartments & townhouses
Overseas Property FinanceUAE residents buying abroad
High-Value LoansProperties above AED 5m
● Need some help?

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Mon–Fri 9:00 am – 6:00 pm, Sat 10:00 am – 4:00 pm (Gulf Standard Time). Closed Sundays and UAE public holidays.

+971 4 320 4500

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