Non-Resident Mortgage

What It Is

Buying in the UAE While You Live Abroad

A non-resident mortgage is finance from a UAE bank for buyers who live outside the country and want to own property here — usually as an investment, a future home, or a holiday base. You don’t need a UAE residence visa to buy in the Emirates’ freehold areas, and a selected group of banks will lend to overseas purchasers against the property itself, in AED.

Because the bank is lending to someone based abroad, the terms are more conservative than a resident mortgage. Expect a larger deposit — often somewhere around 40% to 50% of the value, depending on the bank and the property — and a documentation pack assembled from your home country. Not every UAE lender offers this, and criteria differ from one to the next, so knowing where to apply makes a real difference.

Dubai’s appeal to international buyers is easy to understand: designated freehold zones open to foreign ownership, a registration framework overseen by the Dubai Land Department and RERA, no annual property tax, and steady tenant demand in many communities. Those are features of the market, not a forecast — property values can rise or fall, and nothing here is investment advice. What we do is make the financing side straightforward.

Who It’s For

Is a Non-Resident Mortgage Right for You?

If you’re based overseas and want a UAE bank to finance part of your purchase rather than paying all cash, this is the route to explore.

Overseas buyers who don’t hold a UAE residence visa
International investors adding a Dubai property to their portfolio
Expatriates abroad planning to relocate to the UAE later on
Buyers of a holiday home or second home in the Emirates
Returning nationals and diaspora buyers with income earned abroad
Anyone who prefers bank finance to tying up all of their capital

Key Benefits

Why Overseas Buyers Work With Us

🌍

Invest Without Relocating

Buy in the UAE’s freehold areas without a residence visa or a move — the finance is arranged around where you actually live.

🏦

Access to the Right Lenders

Only a selected group of UAE banks finance non-residents. We know who they are and what each one looks for, so your application lands in the right place.

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Paperwork From Home

Your income proof, bank statements, and ID are gathered from your home country — we’ll give you a clear checklist and handle any attestation the bank needs.

💰

Finance Against the Asset

Borrow in AED against the Dubai property rather than committing the full purchase price in cash, keeping more of your capital free.

🕐

Coordinated Across Time Zones

One point of contact manages the banks, the developer or seller, and the paperwork end to end — so distance never stalls the deal.

🔑

No Annual Property Tax

The UAE has no annual property tax. Ongoing ownership costs are things like community/service charges and insurance — simple to budget for from abroad.

Illustrative Only

Eligibility & Costs at a Glance

A general picture of how non-resident finance tends to work. Every figure below is an example to help you plan — not a quote, and not a promise of approval.

Deposit & finance: Non-residents usually need a larger deposit than residents — often around 40% to 50% of the property value, depending on the bank and the property. Example range only.
Selected lenders: Not every UAE bank finances overseas buyers, and those that do set their own eligible countries, minimum property values, and criteria. We’ll point you to the ones that fit.
Documentation from your home country: Typically a passport, proof of income (such as payslips or tax returns), personal bank statements, and sometimes a credit report from where you live — certified or attested as the bank requires.
Term & rate: Terms commonly run up to around 25 years subject to age, with rates usually fixed for an introductory period and then variable, often benchmarked to EIBOR. Structures compared, not quoted.
Purchase costs (on top of your deposit): Typical one-off costs include a Dubai Land Department transfer fee of about 4% of the property value, mortgage registration of roughly 0.25% of the loan amount plus a small admin fee, a valuation fee (a few thousand AED), an agency fee of around 2%, and a bank arrangement fee of about 1%. Typical figures that vary by transaction.
Ongoing costs: There is no annual property tax in the UAE. Budget instead for community/service charges (billed per square foot) and home insurance.

All figures above are illustrative examples only and are subject to UAE Central Bank regulations, individual lender criteria, and your personal circumstances. They are not a quote, an offer, or a commitment to lend. Property investment carries risk and values can go down as well as up; nothing on this page is investment or financial advice. Easy One Finance is a licensed mortgage brokerage in Dubai, UAE [Trade Licence / RERA ORN: to be added].