Mortgage for Non-Residents in Dubai: Minimum Salary, Rates & LTV (2026)
Last Updated: February 2026
Leverage Your Investment
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.
Related Guides
Dubai's First Westin and Renaissance Residences Just Broke Ground — And They're Betting Against Density
We flagged branded residences as one of the demand categories developers are chasing hardest right now. Days later, Marriott and a government-backed fund broke ground on a $817 million project that's built almost entirely around not building too much.
Dubai Developers Aren't Slowing Down — One Just Pledged $1.1 Billion in New Projects
While one headline this month warned of a 5-10% price cool-down, a Dubai developer stood up at a property show and pledged over a billion dollars in new projects. Both things are true at once, and that's worth unpacking.
Dubai Prices Could Cool 5–10% by 2027, Says Emaar's Alabbar — Here's the Part Everyone's Skipping Past
Mohamed Alabbar just said the quiet part out loud: Dubai prices could adjust 5-10% by 2027. But the numbers he gave alongside it — cancellations that spiked, then dropped, and a 96% collection rate through all of it — say more than the headline does.
Invest in Dubai
Looking for high ROI properties or expert advice? Speak to our specialized investment consultants today.