Non-Resident Mortgages in the UAE
Finance your UAE property investment from abroad — non-residents can access UAE bank mortgages up to 50% LTV.
Non-resident buyers — those without a UAE residence visa — can still access mortgage financing for freehold property in the UAE. Specialist non-resident mortgage programmes are offered by banks including First Abu Dhabi Bank (FAB), Emirates NBD, and ADCB. Loan-to-value ratios are typically capped at 50% (versus 75% for residents), and documentation requirements are more stringent, but the process is well-established for overseas investors from approved countries. Mortigo guides non-resident buyers through every step, from bank selection to final completion.
Key Facts
| Maximum LTV | 50% of property value |
| Minimum property value | AED 1,000,000 |
| Eligible property types | Freehold only |
| Best non-resident rate | From 4.24% fixed |
| Eligible nationalities | Subject to bank approval |
| Tenure | Up to 25 years |
Key Points
- Non-residents can finance UAE freehold property without a UAE residence visa.
- Maximum LTV for non-residents is 50% — a larger deposit is required than for residents.
- FAB, Emirates NBD, and ADCB are the leading lenders for non-resident mortgage applications.
- Properties must be in a designated freehold zone — all major Dubai and Abu Dhabi communities qualify.
- Income verification from your home country is required, typically 6 months bank statements and payslips.
- Non-resident mortgages can be arranged remotely — Mortigo manages the process from abroad.
Frequently Asked Questions
Can I get a UAE mortgage without a UAE residence visa?
Yes. Several UAE banks offer non-resident mortgage programmes for overseas investors. The maximum LTV is 50%, meaning you need at least a 50% deposit. FAB and ADCB have the most established non-resident programmes.
What documents do non-residents need for a UAE mortgage?
Typically: valid passport, proof of income (6 months payslips and bank statements), proof of address in your home country, 2 years of employment or trading history, and property details. Requirements vary by bank.
What is the maximum loan amount for non-residents?
Most banks cap non-resident mortgages at AED 5-10 million, depending on income and the bank. FAB has no hard cap for high-net-worth non-resident applicants.
Which nationalities can apply for a UAE non-resident mortgage?
Most Western nationalities (UK, US, Europe, Australia) and many Asian nationalities are accepted. Banks maintain approved country lists — Mortigo can advise whether your nationality qualifies before you apply.
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Overview
Non-resident buyers — those without a UAE residence visa — can still access mortgage financing for freehold property in the UAE. Specialist non-resident mortgage programmes are offered by banks including First Abu Dhabi Bank (FAB), Emirates NBD, and ADCB. Loan-to-value ratios are typically capped at 50% (versus 75% for residents), and documentation requirements are more stringent, but the process is well-established for overseas investors from approved countries. Mortigo guides non-resident buyers through every step, from bank selection to final completion.
Key Points
Frequently Asked Questions
Can I get a UAE mortgage without a UAE residence visa?
Yes. Several UAE banks offer non-resident mortgage programmes for overseas investors. The maximum LTV is 50%, meaning you need at least a 50% deposit. FAB and ADCB have the most established non-resident programmes.
What documents do non-residents need for a UAE mortgage?
Typically: valid passport, proof of income (6 months payslips and bank statements), proof of address in your home country, 2 years of employment or trading history, and property details. Requirements vary by bank.
What is the maximum loan amount for non-residents?
Most banks cap non-resident mortgages at AED 5-10 million, depending on income and the bank. FAB has no hard cap for high-net-worth non-resident applicants.
Which nationalities can apply for a UAE non-resident mortgage?
Most Western nationalities (UK, US, Europe, Australia) and many Asian nationalities are accepted. Banks maintain approved country lists — Mortigo can advise whether your nationality qualifies before you apply.
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