Non-Resident Mortgages in the UAE
Buyer Guide
Explore lender-specific finance options for UAE property from abroad; availability, LTV and terms vary by applicant and property.
Non-resident buyers — those without a UAE residence visa — may be considered by some lenders for eligible UAE property. Availability, eligible countries and property types, loan-to-value, maximum loan size and documentation depend on current lender policy and the individual application. Non-resident LTV, deposit and maximum loan size vary by lender, borrower, property and current policy; confirm the applicable terms in a written offer. Do not assume resident LTV caps apply. Obtain current written terms before relying on an estimate.
Overview
| Non-resident LTV | Lender-, borrower- and property-specific; confirm a written offer |
| Minimum property value | AED 1,000,000 |
| Eligible property types | Freehold only |
| 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.
- Non-resident LTV, deposit and maximum loan size vary by lender, borrower, property and current policy; confirm the applicable terms in a written offer. Do not assume resident LTV caps apply.
- Lender availability for non-resident mortgage applications depends on current lender, borrower and property criteria.
- 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?
Some lenders may consider applications from non-residents, subject to current policy and the borrower's, property's and country's eligibility. Non-resident LTV, deposit and maximum loan size vary by lender, borrower, property and current policy; confirm the applicable terms in a written offer. Do not assume resident LTV caps apply.
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?
There is no single maximum established here. Loan size depends on the lender's current policy, the application and property; obtain a written assessment for your case.
Which nationalities can apply for a UAE non-resident mortgage?
Lender-approved country lists and eligibility rules vary. Confirm that your nationality and property are accepted by the intended lender before applying.
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Further Reading
Check your eligibility | All mortgage guides | Compare participating lenders
Overview
Non-resident buyers — those without a UAE residence visa — may be considered by some lenders for eligible UAE property. Availability, eligible countries and property types, loan-to-value, maximum loan size and documentation depend on current lender policy and the individual application. Non-resident LTV, deposit and maximum loan size vary by lender, borrower, property and current policy; confirm the applicable terms in a written offer. Do not assume resident LTV caps apply. Obtain current written terms before relying on an estimate.
Key Points
Frequently Asked Questions
Can I get a UAE mortgage without a UAE residence visa?
Some lenders may consider applications from non-residents, subject to current policy and the borrower's, property's and country's eligibility. Non-resident LTV, deposit and maximum loan size vary by lender, borrower, property and current policy; confirm the applicable terms in a written offer. Do not assume resident LTV caps apply.
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?
There is no single maximum established here. Loan size depends on the lender's current policy, the application and property; obtain a written assessment for your case.
Which nationalities can apply for a UAE non-resident mortgage?
Lender-approved country lists and eligibility rules vary. Confirm that your nationality and property are accepted by the intended lender before applying.
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