Mortgages for non-residents and through UAE employment
Non-residents can get a mortgage in Dubai, but the terms are stricter: banks lend a smaller share of the price and ask for more documents. If you are planning to move and work in the UAE, resident terms apply once you have the job and the visa.
Who it is for
- You live outside the UAE and want to buy in Dubai with a mortgage
- You have a job offer in the UAE and are planning to relocate
- You already work in the UAE but started recently
How it works
- 01
Choosing a bank
Not every bank lends to non-residents, and requirements vary. We match the bank to your income and country.
- 02
Proof of income
For a non-resident the bank verifies income in your country of residence: certificates, statements and sometimes a credit report.
- 03
Loan-to-value
Banks usually lend non-residents a smaller share of the price, so the down payment is higher. The exact percentage depends on the bank.
- 04
If you are relocating
Once you are employed in the UAE and have a visa, you apply as a resident. Banks usually look at time with the new employer, so it pays to plan ahead.
What to watch
- Banks treat income sources and countries differently. A refusal from one bank does not mean a refusal from all.
- Prepare documents early: translation and attestation can take time.
- Rates and terms for non-residents usually differ from those for residents.
Documents
- Passport
- Proof of income in your country of residence
- Bank statements for 6 months
- Credit report, if requested
- If relocating: UAE job offer or employment contract
The bank may ask for other documents too.
This information is for guidance only. Final mortgage terms are set by the bank after reviewing your documents.
Other scenarios
- 01Mortgage buyoutMove your mortgage to another bank, or buy a property the seller still has a mortgage on
- 02Final 20/80, 40/60 paymentFinance the final payment to the developer at handover
- 03Instalments and penalties → NOCThe buyer's mortgage clears the developer balance and penalties so the NOC can be issued
- 04Equity releaseBorrow against your property, even if it is already mortgaged