How mortgages work for overseas buyers

Yes, non-residents can borrow against UAE property. The terms are simply more conservative than for residents, and the paperwork rewards preparation.

How much you can borrow

Non-resident loan-to-value typically sits below resident levels, often around half to three-quarters of value depending on the bank, the property and your profile. The balance, plus fees, is cash.

Rates and structure

You will choose between a fixed introductory period and a variable rate linked to EIBOR. Fixed buys predictability for a few years; variable can be cheaper but moves with the market.

What it costs

Budget for an arrangement fee, a valuation fee, mortgage registration and mandatory life cover. These are routine, but they add to the true cost of borrowing, know them upfront.

Get pre-approved first

A pre-approval tells you your real budget and makes your offer credible. We line up the documents and the right lender before you fly, so financing never becomes the reason a deal slips.