Dubai is a top destination for property investment. Whether it’s a holiday home, an investment apartment, or a luxury villa, owning property in Dubai is now easier—even for those living abroad. Hateem Mortgage Brokerage helps international buyers secure a Non-Resident Mortgage in Dubai with competitive rates and flexible plans. Our experience and strong ties with UAE banks make the process smooth and straightforward.
A Non-Resident Mortgage is a home loan offered by UAE banks to individuals who live outside the country but want to invest in Dubai property. It allows international buyers to purchase residential properties—such as apartments, villas, or holiday homes—without being UAE residents.
A non-resident mortgage is a financing option provided by UAE banks for individuals who do not live in the UAE but want to purchase property in Dubai. This facility enables global investors to tap into Dubai’s booming real estate market without needing local residency. With home Finances for non-residents, buyers can finance up to 50–60% of the property’s value, depending on eligibility and bank policies.
Non-residents are individuals who do not hold UAE residency visas but still want to purchase property in Dubai. Investors from approved countries across Europe, Asia, and North America can apply. Even if you live overseas, you can qualify for a Non-resident mortgage in Dubai as long as you meet the required financial and documentation criteria.
Applicants must typically be between 21 and 65 years old. Eligibility also depends on your nationality, as UAE banks maintain a list of approved countries from which they accept non-resident mortgage applications.
Banks require proof of steady income and long-term employment. Salaried individuals must provide recent payslips, while self-employed applicants need business registration and audited financials. Stable income ensures better approval chances for a Mortgage in Dubai for Non-Residents.
Non-resident buyers can usually borrow up to 50–60% of the property value. This means a minimum down payment of 40–50% is required. Finance amounts and terms vary based on property type, location, and applicant profile.
Bank Charges & Processing Fees
Most banks charge processing fees between 0.5% to 1% of the Finance amount.
DLD Registration Fee, Valuation Fee & Insurance
DLD registration fee: 4% of property value.
Property insurance: Typically 0.2% to 0.5% of the Finance amount annually.
Passport, Visa, and Emirates ID
Salary certificate (for salaried applicants)
Trade license (for self-employed applicants)
Last 6 months’ bank statements
Recent pay slips or audited financial statements
Proof of address (Ejari/utility bill)
Property sales agreement (Form F or MOU)
Property details (title deed, floor plan, NOC if required)
AECB credit report
Proof of down payment (bank statement or payment receipt)
Evaluate your financial situation before deciding between short-term and long-term mortgages. A standard mortgage in the UAE with fixed rates might suit those seeking stability, while variable-rate mortgages benefit those comfortable with market fluctuations.
Expatriates need at least 20% down payment, while UAE nationals need 15% for properties under AED 5 million.
You need a stable income, valid residency documents, and a good credit profile.
Yes, expatriates are eligible for mortgage for residences in UAE as long as they meet income, age, and residency requirements.
You’ll need identification, proof of residency, employment verification, and bank statements.
It usually takes between 2 to 4 weeks, depending on your profile and chosen bank.
At Hateem Mortgage Brokerage, we specialize in simplifying the mortgage process for residents and expatriates. Whether you’re seeking a standard mortgage in the UAE, exploring different mortgages home Finances in Dubai, or applying for your first mortgage for residences in UAE, our expert team ensures a smooth, transparent, and cost-effective journey to homeownership.
