Can you get a mortgage on a property in Dubai if you are not a resident?

The short answer is yes. Non-residents can obtain a mortgage in Dubai even if they do not hold a UAE residence visa. Many UAE and international banks offer mortgage products specifically designed for overseas buyers looking to purchase investment properties, holiday homes, or future residences in Dubai.

However, non-resident mortgages come with stricter lending criteria than those available to UAE residents. Banks typically require a larger down payment, often between 35% and 50% of the property's value, and borrowers must provide proof of income, bank statements, and identification documents from their home country.

Most lenders will finance properties located in Dubai's designated freehold areas, allowing foreign nationals to own property outright. The mortgage approval process generally depends on factors such as income stability, nationality, employment status, and the property's location and value.

For international investors, a Dubai mortgage can be an attractive way to enter one of the world's most dynamic real estate markets without purchasing entirely in cash. While the requirements are more demanding than for residents, financing remains accessible through several major banks and specialist mortgage providers.

Ultimately, if you're a non-resident considering a property purchase in Dubai, securing a mortgage is possible, but planning ahead, maintaining a strong financial profile, and understanding the lending requirements will significantly improve your chances of approval.

One of our advisors can guide you with all steps in optaining the mortgage as well in choosing the right property!