Can non-residents get a mortgage in the UAE?

Yes. Several UAE banks lend to non-residents, typically up to 50% of the property value. Eligibility depends on your country of residence, employment, income, and the specific bank's appetite for your nationality.

What is the maximum LTV for non-residents?

50% LTV, set by the UAE Central Bank. This means you must fund 50% of the purchase price yourself, plus all associated purchase costs (DLD fee, agency fee, bank fees). Loanex identifies which lenders offer the most favourable terms for your profile.

Which documents are needed for a non-resident mortgage?

Certified passport, 6 months overseas bank statements, proof of income (salary certificate or business accounts), and proof of address. Loanex provides a tailored checklist based on your nationality and employment status.

Do I need to travel to Dubai to complete the purchase?

Not necessarily. The initial mortgage process is handled remotely. The property transfer at the Dubai Land Department can be done via a UAE-notarised Power of Attorney if you cannot travel.

Non-Resident Mortgage in the UAE

Living outside the UAE? You can still invest in Dubai property. Loanex specialises in financing for overseas buyers — we handle the process so you don't need to be here.

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50%

Max LTV

AED 1M

Min property value

Available lenders

4–6 wks

Process time

Non-Resident Eligibility

No UAE visa required

Up to 50% LTV (50% minimum down payment)

Minimum property value AED 1 million

Passport from an accepted country required

Proof of stable overseas income

6 months international bank statements

The Complete Non-Resident Mortgage Guide

Can you really buy Dubai property from abroad?

Yes — and it is more common than you might think. Dubai's real estate market is one of the few globally where non-residents have clear legal property rights in designated freehold areas: Downtown Dubai, Dubai Marina, Palm Jumeirah, JVC, Business Bay, and many more. Ownership is registered with the Dubai Land Department and is fully legally protected. You do not need to be physically present for most of the process — we can manage document collection and even represent you at the DLD with a Power of Attorney.

What mortgage terms can non-residents expect?

The UAE Central Bank caps non-resident LTV at 50%, so you need at least a 50% down payment plus purchase costs (4% DLD fee, 2% agency fee, bank arrangement fee of 0.25–1%). Rates for non-residents are slightly higher than for residents, typically 0.25–0.5% above resident rates, because banks price in the additional risk. Maximum loan term is usually 25 years, reducing based on the age of the youngest applicant. Not all UAE banks lend to non-residents — Loanex knows exactly which lenders are currently active in this segment.

Documents and the remote process

Required documents: certified passport copy, last 6 months bank statements (from your home country), salary certificate or employment contract (for employed applicants), 2 years audited accounts (for self-employed), and proof of address. All documents are submitted digitally. Loanex coordinates with your selected bank and the developer or seller to manage the timeline. From first contact to mortgage offer typically takes 4–6 weeks. Transfer at the DLD can be done remotely with a UAE-notarised Power of Attorney.

Frequently Asked Questions

Invest in Dubai Property from Abroad

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