Non-Resident Mortgages

Overseas residents own properties in UAE

If you are a resident of a country other than UAE and looking to invest in the local property market, these mortgage options are designed specifically for you.

These loans allow international buyers to finance their real estate purchases, though they typically come with stringent eligibility criteria and a loan-to-value (LTV) ratio usually between 50% to 60% of the property value.

Despite the tighter terms, investing in UAE property as a non-resident can offer lucrative returns, long-term growth, and a foothold in one of the world’s most sought-after real estate markets.

Key Features

  • Available for salaried and business owners abroad
  • International income accepted
  • Remote application and document submission
  • Properties in all major cities of UAE

FAQs

Can non-residents apply for a mortgage in the UAE?
<p>Yes, many UAE banks offer mortgage options to non-residents for purchasing property in<br /> designated freehold areas in Dubai, Abu Dhabi, and other emirates.</p>
What types of properties can non-residents finance?
<p>Non-residents can obtain mortgages for <strong>ready (completed) properties in freehold areas</strong>. Offplan financing for non-residents is rare and depends on the bank.</p>
What currencies are available for mortgage payments?
<p>UAE mortgages for non-residents are usually issued in <strong>AED</strong>, and repayments are also made in AED via a UAE bank account.</p>
Do I need a UAE bank account to get a mortgage?
<p>Yes. Opening a <strong>UAE bank account</strong> is mandatory to disburse the loan and process monthly mortgage payments.</p>
What are the typical mortgage terms offered?
<p>Loan tenures range from <strong>5 to 25 years</strong>, depending on the applicant’s age and income profile.</p>
Can I apply if I am self-employed?
<p>Yes. Self-employed non-residents must provide:</p> <ul> <li>Company trade license or registration</li> <li>Business financial statements</li> <li>Personal and business bank statements</li> <li>Proof of ownership/shareholding</li> </ul>

Related Services

01. Refinance Mortgages

Refinancing allows property owners to replace their current mortgage with a new one often to secure a lower interest rate, adjust the loan term, or switch to a more suitable mortgage product.

It’s a practical way to reduce monthly payments, save on interest over time, or improve overall loan terms to better match your financial goals.

02. Islamic Home Finance

Islamic home finance is offered by Islamic banks or the Islamic windows of conventional banks, providing an alternative to traditional mortgages. These financing options are structured in a way that avoids charging interest, aligning with Islamic principles that prohibit Riba (usury). The most common structures include Murabaha (cost-plus financing) and Ijara (leasing), both designed to ensure that the financial transactions comply with Sharia law while allowing individuals to purchase houses.

03. Credit Card Services

As an ancillary service, we also arrange for our clients tailored credit card solutions from leading banks to meet their individual and business needs. Our team streamlines the application process, ensures competitive offers, and provides expert guidance to help you choose the right card—whether it’s for rewards, travel, cashback, or corporate use.

With strong banking partnerships and a client-first approach, we make access to financial flexibility simple and efficient.

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