Mortgage services · Non-resident

Non-Resident Mortgages in Dubai

UAE banks lend non-residents roughly 50% to 60% of a property’s value, based on income proof and statements from the home country.

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01

Who counts as a non-resident

A non-resident is a buyer who does not hold a UAE residence visa. Non-residents can buy in freehold areas, and several UAE banks lend to them, usually on completed property and on stricter terms than for residents.

02

Documents from your home country

Documents vary by bank, but most ask for the following.

  • Passport and proof of address
  • Proof of income, such as payslips or tax returns
  • Recent bank statements from your home country
  • A credit report from your home country
  • Some banks also ask for a UAE bank account
03

How much banks lend

Banks usually lend non-residents roughly 50% to 60% of the property value. The exact figure depends on the bank, the property and your profile.

04

Buying without visiting

Many purchases can be completed from abroad using a power of attorney or remote signing, depending on the bank and the property. We confirm every step before you commit and guide you by WhatsApp, phone or video call.

FAQ

Non-resident questions, answered

Yes, in freehold areas. Several banks lend to non-residents, usually on completed property and on stricter terms than for residents.

Usually a passport, proof of income, recent bank statements and a credit report from your home country. Some banks also ask for a UAE bank account or a visit.

Terms differ by bank and by profile, and non-resident loans often carry different pricing from resident loans. We compare real offers for you.

Often yes, using a power of attorney or remote signing, depending on the bank and the property. We confirm the steps before you commit.

Property can support a residency visa. The Golden Visa needs property worth at least AED 2 million, and mortgaged purchases carry extra conditions.

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Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.

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