Secure a Mortgage in the UAE as an Expat or Non-Resident
Buying property in the UAE as an expatriate or overseas investor is easier than you think. With expert guidance, competitive mortgage rates, and tailored financing solutions, we help expats and non-residents navigate the UAE mortgage market with ease.
Mortgage Solutions Designed for Expats & International Investors
The UAE real estate market is open to expatriates and non-residents, offering attractive investment opportunities. However, securing a mortgage as an expat comes with unique requirements and regulations. Our mortgage specialists simplify the process, ensuring smooth approval and competitive terms.
We work closely with top banks in the UAE to help expats and international investors secure the best mortgage options, whether you’re purchasing a home to live in or investing in property. Our team handles everything from eligibility checks to loan structuring, ensuring a hassle-free experience.
Our Expat Mortgage Services
We specialise in helping expatriates secure mortgage approvals with competitive rates, flexible terms, and expert guidance through the UAE’s lending process.
Mortgages for UAE Residents (Expats)
As a UAE resident, you can access attractive mortgage rates and flexible financing options. We help expatriates secure home loans with tailored repayment plans.
Non-Resident Property Financing
Not living in the UAE? No problem. We specialize in mortgages for non-residents, ensuring smooth approvals and financing solutions for overseas buyers.
Off-Plan Mortgages for Expats
Many developers in the UAE offer off-plan properties to international buyers. We work with banks to secure mortgage approvals for off-plan projects.
Refinancing & Remortgaging
Already own a property? We help expats and non-residents refinance existing mortgages to secure better rates and optimize loan terms.
Are You Eligible for a Mortgage in the UAE?
Expatriates and non-residents can qualify for a UAE mortgage by meeting specific eligibility criteria. Our mortgage advisors guide you through the approval process, ensuring you understand key requirements, such as:
Minimum Salary Requirement
Varies by lender and employment status.
Employment & Income Proof
Stable employment and verifiable income sources.
Loan-to-Value (LTV) Ratio
Typically 80% for residents, 50-65% for non-residents.
Credit History
UAE credit score assessment and international financial checks.
Nationality & Country of Residence
Some banks have restrictions based on nationality.
What Are the Costs Involved in an Expat Mortgage?
Expat and non-resident mortgages come with unique fees and expenses. We ensure full transparency on all costs, including:
Down Payment
Minimum 20-35% for residents, 35-50% for non-residents.
Bank Processing Fees
Typically 0% - 1% of the loan amount.
Property Valuation Fees
Required for mortgage approval.
Mortgage Registration Fees
Payable to the Dubai Land Department.
Early Settlement Charges
Fees for paying off your loan before maturity.
Foreign Exchange Considerations
Exchange rate fluctuations may impact non-resident payments.
What Our Clients Say?
We’ve helped hundreds of clients successfully navigate property purchases, business setups, and residency applications—here’s what they had to say about working with us.
Why Choose Us for Expat & Non-Resident Mortgages?
We understand the unique challenges expats and non-residents face. Our team navigates the process for you, securing tailored mortgage solutions with ease and efficiency.
Specialized Expat Mortgage Expertise
We have extensive experience in securing mortgages for UAE expatriates and international investors.
Exclusive Access to the Best Rates
We negotiate with top UAE banks to secure the most competitive mortgage terms.
End-to-End Mortgage Support
From application to final approval, we manage the entire process seamlessly.
International Buyer Solutions
Our tailored financing options cater to non-residents looking to invest in UAE property.
Resources & Insights
Understanding UAE mortgages as an expat or non-resident is crucial. Explore our expert guides and market insights
