Can I get a mortgage in Dubai as a non-resident?

Yes. Several UAE banks offer mortgages to non-residents, though the terms differ from resident mortgages:

• Maximum LTV: 50% for non-residents (vs 80% for residents on first property under AED 5M)
• Minimum income: Typically AED 15,000–25,000/month equivalent
• Interest rates: Variable rates from 4.5–6.5% (2026), fixed options available for 1–5 years
• Maximum tenure: 25 years (property must not exceed 20–25 years old at loan maturity)

Banks lending to non-residents include Emirates NBD, HSBC UAE, Mashreq, Abu Dhabi Commercial Bank (ADCB), and Dubai Islamic Bank. You will need to provide income proof, bank statements (6–12 months), and passport copies.

A mortgage broker can compare rates across 10+ banks and often secure better terms than applying directly.

Compare rates: Best Mortgage Brokers in Dubai 2026