Can a non resident get a mortgage in Dubai?

Yes. Non-residents can get a mortgage to buy freehold property in Dubai. Most banks finance up to 60% of the property's value, so buyers usually need a deposit of around 40%.

How much deposit does a non resident need for a Dubai mortgage?

Most non-resident buyers should plan for a deposit of around 40%, as banks generally finance up to 60% of the property's value. Off-plan and luxury properties may require a higher deposit.

Are mortgage rates higher for non residents in the UAE?

Yes. Mortgage rates for non-residents are usually slightly higher than those offered to UAE residents. A mortgage broker can compare banks to find the most competitive rate for your circumstances.

Do I need to travel to the UAE to apply for a mortgage?

In most cases, no. Much of the mortgage application process can be completed remotely, and the property transfer can often be handled through a power of attorney.

How long does it take to get a non resident mortgage in Dubai?

A non-resident mortgage typically takes between 8 and 12 weeks from the initial application to the final property transfer, depending on the lender's requirements and document processing.

Dubai Mortgage for Non Residents — Broker Service

Looking for a Dubai mortgage for non residents? We help buyers who live abroad finance UAE property from start to finish. Non-residents can get a mortgage in Dubai, and our brokers make it simple. Banks fund up to around 60% of the property value, so you plan for a deposit of about 40%. You do not need a UAE visa or residency to apply. Our team matches you to a bank that lends to overseas buyers, accepts your foreign income, and offers a strong rate. We handle the paperwork, the bank talks, and the Dubai Land Department transfer, often through a power of attorney, so you rarely need to fly in. We bring 15+ years of UAE experience and have arranged over AED 3 billion in mortgages. Start your non-resident home loan with a free quote. A Dubai mortgage for non residents is easy with the right broker.

What Is Our Dubai Mortgage Service for Non Residents?

We are a mortgage broker built for overseas buyers. We connect you to the right UAE bank and manage the whole deal. You get expert help without leaving home.

Full service: We manage every step, from eligibility to property transfer.
Bank access: We work with the UAE banks that actually lend to non-residents.
Remote-friendly: Most of the process runs online and by power of attorney.
Proven scale: 1000+ clients financed and over AED 3 billion arranged.

Check your mortgage eligibility in Dubai to start.

Who Can Use This Non Resident Mortgage Service?

Our service suits foreign buyers who live outside the UAE. The rules are clear and open. Most global buyers qualify.

Legal since 2002: Foreigners can buy freehold property in Dubai and finance it.
No visa needed: You do not need UAE residency or an Emirates ID.
Overseas income: Many banks accept salaried or self-employed income earned abroad.
Age rule: Most lenders approve buyers aged 21 to 65.

Run our eligibility calculator to confirm you qualify.

How Much Can You Borrow as a Non Resident?

We help you plan your budget and deposit first. Banks lend less to non-residents, so you fund more. We size it up front.

Funding cap: Banks usually fund up to 60% of the property value.
Deposit needed: Plan for around 40% of the price.
Off-plan homes: These often need a larger deposit again.
Fees on top: Add the 4% Dubai Land Department fee and other charges.

Use our mortgage calculator to see your deposit and payment.

What Rates Do We Secure for Non Residents?

We compare banks to find your best rate. The interest rate on a mortgage loan drives your monthly cost. Non-resident rates run a little higher than resident rates.

Slightly higher: Non-resident rates sit above standard resident rates.
Fixed rate: Locked for 1 to 5 years, easy to budget.
Variable rate: Moves with EIBOR, so it can rise or fall.
We compare: Let us compare mortgage products for the best deal.

See today's EIBOR rates and our home loan interest rate guide.

What Does Our Service Include?

We do the hard work so you do not have to. One team handles the full deal. Here is what you get.

Bank matching: We pick the lender most likely to approve you.
Document help: We prepare and check your file before it goes in.
Bank liaison: We handle all talks with the bank on your behalf.
Transfer support: We guide the Dubai Land Department step, often via power of attorney.
One contact: A personal mortgage consultant manages everything.

What Documents Will We Need From You?

We keep the document list short for overseas buyers. You skip UAE-only papers. Ready documents speed approval.

Passport: A clear copy of your passport.
Proof of income: Salary certificate, or company proof if self-employed.
Bank statements: Your last 6 months of personal statements.
Credit report: Some banks ask for one from your home country.

How Does Our Non Resident Mortgage Process Work?

We run the process in clear stages, mostly from abroad. Our team handles the UAE steps for you. Here is the path.

Free assessment: We check your budget and match you to a lender.
Pre-approval: We secure a pre-approval letter from the bank.
Property choice: You pick a freehold home within budget.
Valuation and offer: We arrange the valuation and final offer.
Transfer: We guide the Dubai Land Department transfer to completion.

Non-resident deals usually take 8 to 12 weeks from start to transfer.

Which Dubai Areas Can We Finance for You?

We finance homes across Dubai's freehold communities. These cover the city's top areas. You can pick ready or off-plan homes.

Prime communities: Dubai Marina and Dubai Hills Estate.
Luxury homes: High-end villas and apartments via our luxury home service.
Ready or off-plan: Both work, though off-plan needs a bigger deposit.
Investment focus: Many non-residents buy for strong Dubai rental yields.

Why Choose Mortgage Market for Your Non Resident Mortgage?

We are built to serve overseas buyers well. Our record proves it. You get a team that knows non-resident lending.

Right bank match: We pick the lender most likely to approve overseas buyers.
Proven record: 1000+ clients financed. Over AED 3 billion arranged.
Expert team: 15+ relationship managers guide your file remotely.
Fast option: Our express mortgage service suits urgent buyers.

Get Your Non Resident Mortgage Quote Today

Starting stays quick and free. One short check begins it. We guide the rest from anywhere.

Free assessment: Book our free eligibility assessment to see your limit.
Talk to an expert: Contact our team for a free consultation.
Apply with confidence: We manage your file from application to transfer.

Ready to secure a Dubai mortgage for non residents? Get your free quote now, call 800-FINANCE (8003462623), or message us on WhatsApp — Mortgage Market, your expert mortgage broker in Dubai.

Frequently Asked Questions

Can a non resident get a mortgage in Dubai?
Yes. Non-residents can finance freehold property in Dubai. Banks usually fund up to 60% of the value, so you plan for about a 40% deposit.
How much deposit does a non resident need in Dubai?
Around 40% for most homes, since banks fund up to 60%. Off-plan and luxury homes can need a larger deposit.
Are mortgage rates higher for non residents in the UAE?
Yes, non-resident rates sit slightly above resident rates. We compare banks to find the best deal for your profile.
Do you need to visit the UAE to apply?
Usually not. Most of the process runs remotely, and the property transfer can be done through a power of attorney.
How long does a non resident mortgage take in Dubai?
Usually 8 to 12 weeks from application to transfer, as extra checks apply for overseas buyers.

EIBOR as on 31 Mar 2026: 1 MONTH: 3.65% | 3 MONTH: 3.66% | 6 MONTH: 3.71% | 1 YEAR: 3.91%