UAE Mortgages for Australian Expats
Buyer Guide
Expert UAE mortgage guidance for Australian nationals buying property in Dubai and Abu Dhabi.
Australian expats in the UAE work across finance, mining, education, healthcare, and aviation. For an eligible UAE-resident expatriate buying a first owner-occupied home, CBUAE caps LTV at 80% at or below AED 5M and 70% above AED 5M. A second or subsequent home or investment property is capped at 60%; off-plan is capped at 50% for every category and purpose. These are regulatory ceilings, not offers; lenders may set lower limits. Australian-qualified professionals are generally well-regarded by UAE banks.
Overview
| CBUAE maximum LTV (eligible UAE-resident expatriate) | First owner-occupier: 80% at or below AED 5M / 70% above; second or investment: 60%; off-plan: 50% for all categories. Lenders may offer less. |
| Minimum salary requirement | AED 15,000/month |
Key Points
- Within the UAE-resident expatriate category, CBUAE limits depend on property value and use, not home-country nationality; lenders may set lower limits.
- Australian income from UAE properties is declarable to the ATO in Australia.
- Emirates NBD and FAB are experienced with Australian applicants.
Frequently Asked Questions
Can Australians get a UAE mortgage?
Yes. UAE-resident applicants may apply, subject to lender eligibility and affordability. For an eligible UAE-resident expatriate buying a first owner-occupied home, CBUAE caps LTV at 80% at or below AED 5M and 70% above AED 5M. A second or subsequent home or investment property is capped at 60%; off-plan is capped at 50% for every category and purpose. These are regulatory ceilings, not offers; lenders may set lower limits.
Featured Bank Guides
Related Guides
Further Reading
- Can Expats Get a Mortgage in UAE? Everything You Need to Know
- Down Payment Requirements in Dubai: How Much Do You Really Need?
Check your eligibility | All mortgage guides | Compare participating lenders
Overview
Australian expats in the UAE work across finance, mining, education, healthcare, and aviation. For an eligible UAE-resident expatriate buying a first owner-occupied home, CBUAE caps LTV at 80% at or below AED 5M and 70% above AED 5M. A second or subsequent home or investment property is capped at 60%; off-plan is capped at 50% for every category and purpose. These are regulatory ceilings, not offers; lenders may set lower limits. Australian-qualified professionals are generally well-regarded by UAE banks.
Key Points
Frequently Asked Questions
Can Australians get a UAE mortgage?
Yes. UAE-resident applicants may apply, subject to lender eligibility and affordability. For an eligible UAE-resident expatriate buying a first owner-occupied home, CBUAE caps LTV at 80% at or below AED 5M and 70% above AED 5M. A second or subsequent home or investment property is capped at 60%; off-plan is capped at 50% for every category and purpose. These are regulatory ceilings, not offers; lenders may set lower limits.
Get personalised mortgage guidance
Request a callback from a Mortigo advisor about this mortgage guide.
Featured Bank Guides
Compare all UAE banks →Related Guides
Review mortgage considerations for property in Dubai Marina. LTV, ownership eligibility, lender pricing and transaction costs depend on the specific applicant and property.
Review mortgage considerations for property in Palm Jumeirah. LTV, ownership eligibility, lender pricing and transaction costs depend on the specific applicant and property.
Everything you need to know about getting a mortgage as an expatriate in the UAE — eligibility, rates, and the application process.