Non-resident mortgages in the UAE (2026)
Yes — you can buy Dubai or UAE property with a mortgage even if you don't live here. Non-resident lending is more limited than for residents, with lower loan-to-value and slightly higher rates, but several banks run dedicated programmes. Here's exactly how it works in 2026.
How much can a non-resident borrow?
Non-residents can typically finance 50–65% of the property value (you fund the rest), rising to around 75% with a UAE Golden Visa at some banks. Rates are higher than for residents — indicatively from around 4.7% for salaried Golden Visa holders, and higher without a Golden Visa.
Which banks lend to non-residents?
Not every bank offers non-resident mortgages. The main routes in 2026 include HSBC International (for existing overseas HSBC customers), Standard Chartered, ADCB, and RAKBANK (with defined Golden Visa and non-Golden-Visa pricing). Each has its own eligibility list and rate card — we match you to the ones most likely to approve your nationality and income.
Documents non-residents need
- Passport and proof of residence in your home country
- Income proof — payslips and employment letter, or business documents if self-employed
- 6 months' international bank statements
- An international credit report (from your home country)
Key things to know
Non-resident mortgages generally apply to completed, titled property rather than off-plan. You'll still pay the 4% DLD fee (Dubai) plus the usual purchase costs. Nationality can affect which banks will lend, and processing can take a little longer given international document checks. A Golden Visa materially improves both your LTV and rate.
Non-residents and off-plan property
As noted, non-resident mortgages generally apply to completed, titled property rather than off-plan — banks want finished collateral before lending to overseas buyers. The notable 2026 exception is the Emirates NBD–Dubai Holding off-plan financing scheme, which is explicitly open to both residents and non-residents on eligible projects (Meraas, Nakheel, Dubai Properties). If you're a non-resident set on an off-plan unit, that partnership may be your route in — otherwise, the common path is to pay the developer's plan during construction and arrange a non-resident mortgage on the completed unit at handover. Our off-plan mortgage guide explains the rules in full.
If you're buying off-plan from abroad, developer choice is key — see which UAE developers you can get a mortgage for and the Nakheel and Meraas financing pages, both covered by the ENBD partnership that admits non-residents.
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Frequently asked questions
Can non-residents get a mortgage in the UAE?
Yes. Several banks — including HSBC International, Standard Chartered, ADCB and RAKBANK — run non-resident mortgage programmes, typically financing 50–65% of the value (up to ~75% with a Golden Visa) on completed property. We match you to the banks most likely to approve your profile.
What LTV can a non-resident get in the UAE?
Non-residents typically get 50–65% loan-to-value, rising to around 75% with a UAE Golden Visa at some banks. That means funding 25–50% yourself, plus purchase fees. We confirm the exact LTV each bank offers your nationality and income.
What are non-resident mortgage rates in the UAE?
They're higher than resident rates — indicatively from around 4.7% for salaried Golden Visa holders, and higher (into the 5%+ range) without a Golden Visa, varying by bank and profile. We compare the non-resident lenders to find your sharpest option.
Can non-residents get an off-plan mortgage?
Generally no — banks usually finance completed, titled property for non-residents rather than off-plan. If you want an off-plan unit, developer payment plans are typically the route until handover, when a non-resident mortgage may become available. We advise on the best path.
Related guides & tools
Figures are indicative for 2026 and change frequently; they're estimates, not financial advice or a lending offer. Final terms are set by the bank under UAE Central Bank regulations.