Mortgage for Non-Residents in Dubai: Minimum Salary, Rates & LTV (2026)
Last Updated: February 2026
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Cash is king, but leverage builds wealth. Dubai's banking sector is friendly to international investors, offering robust mortgage products.
Key Rules for Non-Residents
- Loan-to-Value (LTV): Typically 50% to 60%. This means you need a 40-50% down payment.
- Loan Duration: Up to 25 years (usually capped at age 65 or 70).
- Interest Rates: Often pegged to EIBOR + Bank Margin. Fixed rates are available for 1-5 years.
Documents Required
- Passport Copy
- Last 6 months bank statements (personal/business)
- Credit Bureau Report from home country
- Proof of income (Salary/Dividends)
Pre-Qualify for a Loan
Our mortgage partners can get you pre-approved within 48 hours.
Connect with Mortgage Broker →Frequently Asked Questions
Can a non-resident get a mortgage in Dubai?
Yes, most UAE banks offer mortgages to non-residents, typically capped at 50-60% of the property value (LTV).
What is the interest rate for non-residents?
Rates for non-residents are generally slightly higher than residents, currently averaging between 5.5% - 7% depending on the bank and profile.
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