Your Expert Mortgage Broker for Non-Residents in the UAE
Non-Resident Mortgages
Not living in the UAE but want to invest in its booming property market? We’ve got you covered. Our Non-Resident Mortgage service helps international buyers secure property financing in the UAE, without the need for residency.
Whether you’re purchasing a holiday home, rental property, or long-term investment, we work with top banks to offer mortgage options tailored specifically for non-residents. You’ll get expert guidance, competitive rates, and full support from application to property transfer.
Golden Visa Opportunity:
If your property investment meets the eligibility criteria, you may also qualify for the UAE’s 10-year Golden Visa, a long-term residency option for investors, giving you and your family added peace of mind and flexibility.
Who can apply?
Citizens from most countries can qualify, including those from the UK, Europe, GCC, Canada, and India.
What’s included:
- Mortgage solutions for non-residents buying in the UAE
- Financing available for residential and investment properties
- No UAE residency or company setup required
- Access to conventional and Islamic mortgage options
- Full end-to-end support with documents, approvals, and bank coordination
- Guidance on Golden Visa eligibility and application
Buying from abroad doesn’t have to be complicated. We make it simple, secure, and smart.
Ready to invest in UAE real estate and unlock long-term residency? Let’s make it happen. wherever you are in the world
Your journey to ownership starts here
Tailored mortgage solutions
Islamic Mortgages (Shariah-Compliant)
Ethical, interest-free mortgage solutions aligned with Shariah principles.
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New Purchase - Resale & Final Payment
Unlock competitive mortgage rates tailored to your unique financial goals.
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Refinance – Buyout and Equity Release
We help you refinance for better rates, equity access, or lender flexibility, giving you more control over your finances.
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Plot and Construction Financing
Flexible financing designed to help you purchase vacant land for future construction or investment opportunities.
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Commercial Property Finance
Tailored financing for offices, residential blocks, warehouses, and mixed-use developments, built for commercial property buyers.
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Non-resident mortgages
Specialized mortgage solutions for non-residents investing in UAE property.
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Investment Property Financing
We help investors secure mortgage solutions for rental and income-generating properties across the UAE. Whether you're buying your first unit or expanding your portfolio, we’ll guide you to the best bank offers, terms, and approvals
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Property Valuation Services
Get accurate, bank-approved property valuations for buying, selling, or refinancing. We work with certified valuers to ensure a smooth mortgage process and fair market pricing
Read MoreSimple steps to secure your rate
Your mortgage journey
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We work with the top banks in UAE
FAQ'S
Can non-residents get a mortgage in the UAE?
Yes! You just need the right documents: passport copy, six months of bank statements, proof of income, a credit report from your home country, and a recent utility bill for address verification.
How much can I finance as a non-resident?
Banks usually require a 40–50% down payment. The loan-to-value ratio is typically:
- 40 – 50 % for properties valued under AED 5 million
- 50% for properties valued above AED 5 million
Off-plan properties are usually capped at 50% LTV
What are the main requirements for non-resident mortgages?
The standard requirements are:
- Passport copy
- Six months of personal bank statements
- Proof of income (employment or business)
- Credit report from your country of residence
- Utility bill (proof of address)
- Property documents such as SPA (Sales and Purchase Agreement) or title deed
How long does approval take?
- Approval for non-resident mortgages usually takes 1 – 2 weeks depending on the bank’s internal review and property valuation. With all documents prepared and broker support, pre-approval can sometimes be obtained within a few business days.
Can non-residents buy in all areas in UAE ?
No, only in designated freehold zones. We’ll guide you on which locations qualify for non-resident ownership.
What additional fees should I plan for in Dubai or Abu Dhabi?
In addition to your down payment, you should budget for:
- Dubai: 4% DLD transfer fee + 0.25% mortgage registration fee + admin/trustee charges
- Abu Dhabi: 2% ADM or ADGM transfer fee + 0.1% mortgage registration fee + admin/trustee charges
- Bank valuation fee: typically AED 2,500–3,500
- Bank arrangement fee: usually 0.5–1% of the loan amount
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