Expat Mortgages in the UAE

Living and working in Dubai? We help expatriates secure the right mortgage to buy their home or investment property in the UAE.

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Expatriates make up a significant portion of the UAE's population and are well served by the country's mortgage market, with LTV ratios of up to 80% available in most cases. Bradgate Heights has extensive experience helping expats from the UK, India, Europe, and beyond navigate the UAE mortgage process with confidence. We understand the unique challenges of expat applicants — from visa categories and employment structures to multi-currency income — and match each client to the lenders most likely to approve their application.

FCA Regulated Advice

20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Same LTV as UAE Nationals

Expat residents are treated the same as UAE nationals under Central Bank rules, meaning you can access up to 80% LTV on your first UAE property purchase.

Multilingual Support

Our team includes advisors who speak English, Arabic, and other languages, ensuring clear communication throughout your mortgage journey regardless of your background.

Visa and Residency Guidance

We help you understand how your visa category and employer type affect your mortgage eligibility, and advise on any preparatory steps needed before submitting your application.

UK-UAE Expertise

For British expats in particular, our Leicester and Dubai offices work together to offer seamless advice covering both markets, from UAE purchase to UK portfolio management.

How It Works

Check Eligibility

We review your residency visa, employer category, income, and liabilities to confirm your borrowing capacity and identify the most suitable lender options for your expat profile.

Choose Product

We present tailored mortgage options from our panel of 20+ lenders, highlighting which products are most popular with expat applicants and best suited to your circumstances.

Application

Our team handles the full documentation process, liaising with your employer's HR department if needed and managing all lender communications throughout underwriting.

Completion

We manage the final stages with the bank and the Dubai Land Department, ensuring all fees are clearly communicated and the property transfer runs smoothly.

Frequently Asked Questions

Do I need a UAE residency visa to get an expat mortgage?+

Yes, to qualify as a UAE resident expat for mortgage purposes you need a valid UAE residency visa. Some lenders will also consider applications shortly before a new visa is issued if you are mid-renewal with your employer.

Can I get a UAE mortgage if my employer is a free zone company?+

Yes, many lenders accept applicants employed by free zone companies. The specific free zone and the nature of your employment contract may affect which lenders will consider your application and on what terms.

What happens to my mortgage if I leave the UAE?+

If you leave the UAE your mortgage obligation remains. Most lenders allow you to continue the mortgage provided payments are maintained. You may wish to let the property to cover payments, which most lenders will consent to with a formal notice.

Can I use overseas income to qualify for a UAE expat mortgage?+

Some lenders will consider overseas income alongside UAE income, particularly for applicants who receive international bonuses or rental income from abroad. This is assessed case by case and we advise which lenders are most flexible.

How does an expat mortgage differ from a non-resident mortgage in the UAE?+

An expat mortgage is for foreign nationals who hold UAE residency, while a non-resident mortgage is for buyers who live abroad. Expats generally access better rates and higher LTV ratios than non-residents as they are considered lower risk.

Ready to get started?

Speak to a specialist today for a free, no-obligation consultation. We compare 20+ UAE lenders to find the mortgage that is right for you.

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