Non-Resident Mortgage UAE —
Buy Dubai Property From Overseas
Buying Dubai property from overseas? Non-residents can access up to 65% LTV. CityMortgage navigates the international buyer process from start to finish.
- Up to 65% LTV — no UAE visa required
- All major UAE lenders compared simultaneously
- Rates from ~3.89% fixed for non-residents
- 20+ years of mortgage expertise
No UAE visa required. All nationalities considered. Ready and off-plan properties.
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Can Non-Residents Get a Mortgage in Dubai?
Yes — non-residents can get a mortgage in Dubai. The UAE is one of the few markets where international buyers can access bank financing without a local residency visa. Non-residents can borrow up to 65% of the property value, requiring a minimum 35% deposit.
Not all UAE banks offer non-resident mortgage programmes. Those that do have varying eligibility criteria, maximum LTVs, and rate structures. CityMortgage knows exactly which lenders actively welcome international buyers — and which ones will waste your time.
With 20+ years of mortgage expertise, we have placed non-resident applications from buyers across Europe, Asia, Africa, and the Americas. We manage everything — eligibility check, lender selection, document preparation, and approval — from wherever you are in the world.
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Residency Required No UAE visa needed
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Maximum LTV 65% (35% min deposit)
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Property Types Ready and off-plan
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Max Loan Term Up to 25 years
Non-Resident LTV and Eligibility Rules
The Central Bank UAE sets the maximum LTV for non-residents. These limits apply across all lenders — no bank can exceed them. Understanding these rules before you start is critical.
| Rule | UAE Resident | Non-Resident |
|---|---|---|
| Max LTV (under AED 5M) | 80% | 65% |
| Max LTV (above AED 5M) | 70% | 65% |
| Min Deposit | 20% | 35% |
| UAE Visa Required | Yes | No |
| Bank Statements | 3–6 months | 6 months |
| Max Loan Term | 25 years | 25 years |
| Islamic Finance | Available | Available |
| Rate From | ~3.5% | ~3.89% |
- Minimum 35% deposit required from own funds
- DLD fee 4% payable on top of deposit
- Mortgage registration fee 0.25%
- Valuation fee approximately AED 3,000
- Bank processing fee typically 1%
- CityMortgage provides full cost breakdown
Who Qualifies for a Non-Resident Mortgage?
Overseas Investors
Buyers based outside the UAE looking to purchase Dubai residential or commercial property as an investment. Ready properties preferred by most lenders.
Salaried Professionals
Employed professionals living outside the UAE with verifiable salary income. 6 months of home country bank statements required to demonstrate affordability.
Future UAE Residents
Buyers planning to relocate to the UAE who want to purchase property before obtaining their visa. CityMortgage structures the application for a smooth transition.
High Net Worth Buyers
International buyers purchasing premium properties — Palm Jumeirah, Downtown, DIFC. Some lenders have tailored non-resident programmes for premium properties.
Self-Employed Buyers
Business owners and directors living outside the UAE. Requires 2 years audited company accounts and strong personal bank statements. Lender selection is critical.
Refinancers From Abroad
Non-residents who already own property in Dubai and want to release equity or switch to a better rate. CityMortgage manages the entire buyout process remotely.
What Documents Do Non-Residents Need?
Non-residents can submit their mortgage application from anywhere in the world. All documents can be emailed. CityMortgage prepares a personalised checklist based on your nationality, employment type, and chosen property.
Non-Resident Mortgage Rates
Rates for non-residents are slightly higher than for UAE residents, reflecting the additional risk assessment. CityMortgage negotiates directly with lenders to secure the most competitive rate available for your profile.
- 3-Year Fixed Rate (from) ~3.89%
- 5-Year Fixed Rate (from) ~4.09%
- Variable Rate (EIBOR +) ~1.0–1.5%
- Islamic Murabaha (from) ~4.09%
Rates are indicative and subject to lender assessment. Contact CityMortgage for a personalised rate comparison.
Your Non-Resident Mortgage — 4 Steps
From your first WhatsApp message to keys in hand — entirely managed by CityMortgage, no matter where you are in the world.
Eligibility Check
WhatsApp or email us your profile — nationality, income, property type, budget. We confirm your eligibility and maximum borrowing within the same day.
Lender Shortlist
We identify which UAE banks actively lend to non-residents matching your profile. You receive a comparison of rates, fees, and LTV across all suitable lenders.
Pre-Approval
We submit your application and manage the bank directly. Pre-approval for non-residents typically takes 5 to 10 working days. All document queries handled by us.
Transfer & Completion
From full mortgage offer to DLD registration. CityMortgage coordinates with the developer, DLD, and bank to complete your purchase — remotely if needed.
Non-Resident Mortgage Questions
Buying Dubai Property From Overseas?
CityMortgage has placed non-resident mortgage applications from buyers across Europe, Asia, Africa, and the Americas. We manage everything remotely — eligibility check to DLD transfer.
Start Your Eligibility CheckReady to Buy Dubai Property From Overseas?
CityMortgage manages the entire non-resident mortgage process — from eligibility check to DLD transfer. WhatsApp us now and get your eligibility confirmed same day.