Documents
Passport; for residents the visa and Emirates ID.
Home mortgage in Dubai
A foreigner can get a home mortgage in Dubai — both as a residence-visa holder and as a buyer who does not live in the UAE. The difference between the two decides which banks will lend, the down payment and how deep the checks go.
Practically the whole mortgage market is open to residents. Non-residents are served by a narrower set of banks: the terms are more conservative, the down payment higher and the list of financeable properties shorter. Nationality itself is rarely the barrier — what matters is that income is legal and provable.
We match the bank to your profile and the property, prepare the document pack and check that the property is financeable before the deposit, not after: banks finance off-plan and non-standard units selectively.
Talk to a licensed broker: 📲 +971 50 120 32 64 on WhatsApp, @dubai_oleg on Telegram
A mortgage in Dubai as a foreigner: what banks actually lend on
Non-residents can borrow in the UAE, on tighter terms than residents: a larger deposit, a shorter list of banks and a harder look at income. What the deposit really is, how the rate is built, and the order in which the process has to happen.
Read the full article →The mortgage, step by step
- 1
Pre-approval
The bank assesses income and commitments and issues the maximum loan. The budget is fixed and your negotiating position is stronger.
- 2
Property and contract
The sale contract is signed with a mortgage-finance condition.
- 3
Valuation
The bank’s valuer confirms market value — the loan is based on it, not on the contract price.
- 4
Final approval and registration
Loan agreement, mortgage registration and transfer at the Land Department.
What the bank wants to see
Income
Salary certificates, contracts, several months of statements; for non-residents tax returns from the country of residence.
Commitments
Loans, cards, maintenance: the regulator caps the share of income that repayments can take.
The property
Ready homes in freehold areas are easiest; serviced hotel apartments and non-standard units are harder.
Request
Get a mortgage estimate
Name and number — the mortgage broker will come back the same day with questions about income, status and the property.
Rather not leave a number? Message us directly: WhatsApp or @dubai_oleg.
Get a mortgage estimate
Frequently asked questions
Will a non-resident get a mortgage?
Yes, non-resident programmes have existed for years. The terms are stricter: a larger down payment, closer income checks, fewer banks.
What is the maximum term?
Up to 25 years, normally repaid by age 65 — so the borrower’s age feeds straight into the term and the payment.
Can I lower the rate on an existing mortgage?
Yes, by refinancing with another bank. We weigh the saving against early-settlement fees and set-up costs.
See also
In the news
Articles and news on the subject of this service.
Three prices of one square metre in Dubai: asking price, transaction price and bank valuation
The same Dubai apartment carries three different figures: what the seller asks, what registers with DLD, and what the bank’s valuer names. Asking prices run roughly 6–9% above final transaction prices. How the gap affects the size of the down payment you actually need.
Income needed for a mortgage in Dubai, and how the approval process works step by step
Salaried UAE residents typically need AED 15,000+ a month to clear most banks’ first screen; the self-employed face a higher bar; non-residents earning abroad face a separate, stricter set of terms. The one constant: total debt payments cannot exceed 50% of income.
Off-plan mortgage in Dubai: which banks and developers now lend before handover
Damac and ADIB opened finance on projects 35% built once the buyer has paid 50% (March 2025). In 2026 Emirates NBD launched a scheme for Meraas, Nakheel and Dubai Properties from 30% completion, and ADCB a 12-month pre-approval from 3.49%.
Selling a mortgaged apartment in Dubai: payoff process, the early-settlement fee, and full costs
A UAE mortgage cannot transfer to a new property — selling always means paying it off in full, either with the seller’s own cash or the buyer’s funds at closing. Early settlement is capped at 1% of the balance or AED 10,000. Here is what a seller actually pays.
UAE Central Bank rate: from 5.40% to 3.65%, then the first hike to 3.90% — what it means for mortgages
Between September 2024 and December 2025 the UAE Central Bank cut its base rate six times, from 5.40% to 3.65%. On 17 September 2026 it followed the Fed with a 25 bp rise to 3.90%. On an AED 1.5m, 25-year loan that is about AED 210 a month.
Selling a handed-over unit in Dubai while still on a developer payment plan
Plenty of Dubai owners keep paying a developer under a post-handover plan for two to three years after moving in — and that unit can still be sold, even at 40–50% paid. A developer NOC, a pre-title deed, and the buyer’s mortgage close the remaining balance. How the deal is structured.
Buying a Dubai resale with a mortgage: the MOU clause that protects your 10% deposit
Sign the standard Form F MOU on a Dubai resale and the buyer’s 10% deposit is at risk if the deal falls through — AED 150,000 on a 1.5 million-dirham flat. A financing clause protects a mortgaged buyer if the bank says no. How to word it, and why pre-approval should come before the MOU.
Dubai mortgage costs since 2025: the 4% DLD fee and agent commission must be paid in cash
Since 1 February 2025 UAE banks may not finance the 4% Dubai Land Department fee or the roughly 2% agent commission. On a AED 2m apartment that is about AED 122,000 on top of the deposit. The full cash budget for a financed purchase, and where it can be reduced.
Ras Al Khaimah property market in H1 2026: AED 2.89bn registered, and mortgages made up 40% of it
Ras Al Khaimah Municipality registered about AED 2.89bn ($787m) of property transactions in January–June 2026: AED 1.35bn of sales, AED 1.16bn of mortgages and AED 0.38bn of transfers without payment. CBRE puts apartment prices up 18% on the year, and 23% on Al Marjan Island.
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