Non-Resident Mortgages
Non-residents who live and work outside the United Arab Emirates can finance ready residential property in designated freehold areas across Dubai and Abu Dhabi.
Key Regulatory Parameters
Reviewed: 2026-10-21What It Is
A specialized mortgage product for overseas individuals without UAE residency visas. Lenders verify overseas income, credit records, and tax filings in the applicant home jurisdiction.
Key Features & Structure
- Financing up to 50% to 60% LTV depending on lender policy and applicant country.
- Tenures typically available up to 15 to 25 years.
- Access to prime Dubai and Abu Dhabi freehold residential properties.
Who It Suits
Overseas investors, expatriates living elsewhere in the GCC or abroad, and international buyers looking to hold UAE real estate.
Important Things to Consider & Risks
- Lender options are more selective compared to UAE residents.
- Overseas documents must often be attested, translated, or supported by tax returns.
- Applicant may need to visit the UAE for bank signing or execute an attested Power of Attorney.
Typical Documents Required
- Valid Passport copy
- Proof of residential address in home country (utility bill/bank statement)
- Last 6 to 12 months personal and business bank statements
- Tax returns / audited financials or employment verification letter
- Credit bureau report from country of residence
Estimate Your Monthly Payments
Use our client-side calculator to model repayment scenarios under CBUAE rules.
Frequently Asked Questions
The mortgage lender will establish the necessary servicing account as part of the formal mortgage approval process.
Non-residents can acquire and finance properties in designated Freehold areas (e.g. Dubai Marina, Downtown, Palm Jumeirah, Dubai Hills).