Non-Resident Mortgage UAE: Your Complete 2025 Guide to a Dubai Mortgage for Non-Residents

If you’re a non resident looking to buy property in the UAE, this guide will tell you all you need to know before you start your search.

Buying property in Dubai or anywhere in the UAE has become increasingly attractive for international investors. With no property taxes, strong rental yields, and a stable economy, it’s easy to see why so many non-residents are exploring opportunities here. However, understanding how a non resident mortgage UAE works — and how it differs from local financing — is key to a smooth process.

In this guide, we’ll break down everything you need to know about Dubai mortgage for non residents, from eligibility and fees to application steps and expert tips.

Can Non-Residents Buy Property in the UAE?

Yes — non-residents can legally buy property in designated freehold areas across Dubai, Abu Dhabi, and other emirates. For Dubai, popular freehold zones include Dubai Marina, Downtown Dubai, Palm Jumeirah, and Business Bay. These areas allow 100% ownership rights for foreign investors.

However, buying as a non-resident typically requires more documentation and comes with slightly different mortgage terms compared to UAE residents.

How Does a Non Resident Mortgage Work in the UAE?

A non resident mortgage UAE is a home loan offered to buyers who live outside the country but want to purchase property here. Most UAE banks offer mortgages to non-residents, but conditions are usually stricter:

• – Lower Loan-to-Value (LTV): Non-residents are often required to put down a larger deposit, typically 35–40% of the property’s value.
  

   

• – Higher Interest Rates: Rates can be 0.5%–1% higher than for residents.
  
  

   

• – Shorter Tenures: Maximum loan terms are usually capped at 25 years or until the borrower reaches 65 years of age (whichever comes first).
  
  

   

Limited Lenders: Not all banks cater to non-residents.

Key Eligibility Requirements

While requirements vary between banks, most lenders in the UAE will require non-residents to meet the following:

Proof of Income

• – Minimum monthly income (often around AED 15,000 or equivalent in foreign currency)

   

• – Bank statements from the past 6 months

   

• – Salary certificate or proof of self-employment income

   

Credit History

• – Good credit standing in your home country

   

• – Some banks may require a credit report from your local credit bureau

   

Age Limit

• – Minimum: 21 years old
  – Maximum: Typically 65 years at loan maturity

How Much Can You Borrow as a Non-Resident?

For a Dubai mortgage for non residents, the UAE Central Bank regulations (as of 2025) state:

• – Properties under AED 5 million → Maximum 60–65% LTV (meaning you need a 35–40% down payment)

   

• – Properties over AED 5 million → Maximum 55–60% LTV

   

• – Off-plan properties → Often capped at 50% LTV

   

Tip: The higher your income stability and deposit, the better rates you can negotiate.

 What Fees Should You Expect?

Buying property as a non-resident in the UAE involves several fees beyond your deposit:

Fee Type	Amount (Approx.)
Dubai Land Department (DLD) Transfer Fee	4% of property price + AED 580 admin fee
Mortgage Registration Fee	0.25% of loan amount + AED 290 admin fee
Bank Mortgage Arrangement Fee	Up to 1% of loan amount
Valuation Fee	AED 2,500 – AED 3,500
Trustee Office Fee	AED 4,000 (individual) or AED 5,000 (company purchase)

Step-by-Step Process to Get a Non-Resident Mortgage in the UAE

1. Get Pre-Approval

Before shopping for properties, get a mortgage pre-approval from a UAE bank. This will give you a clear idea of your budget and borrowing capacity.

2. Choose Your Property

Select a freehold property in an approved area for non-resident ownership.

3. Finalize Your Application

Submit all required documents, including proof of income, passport copy, and property details.

4. Property Valuation

The bank will arrange a valuation to determine the property’s fair market value.

5. Transfer of Ownership

Once approved, complete the transfer process at the Dubai Land Department or relevant emirate authority.

Pros and Cons of a Non Resident Mortgage UAE

Advantages:

• – Leverage financing to invest without paying the full price upfront

   

• – Benefit from Dubai’s rental yields (often 5–8% annually)

   

• – Hedge against inflation with a fixed mortgage rate

   

Disadvantages:

• – Higher interest rates compared to residents

   

• – Larger deposit requirement

   

• – Limited bank choices
  

Tips for Securing the Best Dubai Mortgage for Non Residents

1. Compare multiple lenders — Don’t settle for the first offer; rates and terms vary.

    

2. Boost your deposit — A higher down payment can unlock better rates.

    

3. Consider currency exchange rates — Use a trusted FX service to transfer funds.

    

4. Work with a mortgage broker — At Mortgage Finder, we help non-residents secure competitive deals.

    

5. Plan for fees — Factor all costs into your budget.

    

Owning property in Dubai as a non-resident is entirely possible and can be a profitable investment — but it requires planning and understanding the process. By knowing the requirements, fees, and mortgage terms, you can make informed decisions and secure the best possible deal.

Ready to start your property journey?
Whether you’re exploring a non resident mortgage UAE or comparing Dubai mortgage for non residents options, our expert team at Mortgage Finder is here to guide you through every step. Contact us today for free, no-obligation advice.