Non-Resident Mortgages in the UAE

Own property in Dubai without living there — we secure UAE mortgages for international buyers across all nationalities.

Purchasing property in the UAE as a non-resident is entirely possible, with a growing number of lenders offering mortgage products to overseas buyers. Non-residents typically need a larger deposit of at least 25–40% of the purchase price, but the process is straightforward when guided by an experienced broker. Bradgate Heights has helped buyers from across Europe, Asia, and beyond invest in Dubai's thriving real estate market with confidence.

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20+

UAE Lenders

80%

Max LTV

Free

Consultation

Why Choose Bradgate Heights

Open to All Nationalities

Most UAE lenders accept non-resident applications from a wide range of nationalities, with certain nationalities eligible for particularly competitive terms based on their risk profile.

No Need to Relocate

The entire mortgage application and property purchase process can be managed remotely, with power of attorney arrangements available where attendance in the UAE is not possible.

Competitive Investment Yields

Dubai delivers rental yields of 5–8% on average, making a non-resident mortgage an attractive way to access one of the world's top-performing property markets without relocating.

Expert Cross-Border Guidance

With offices in both Dubai and Leicester, Bradgate Heights is uniquely placed to guide buyers who are purchasing in the UAE from abroad, combining local UAE knowledge with UK-based accessibility.

How It Works

Check Eligibility

We assess your nationality, income source, existing liabilities, and intended property to determine which lenders will consider your non-resident application and on what terms.

Choose Product

We shortlist the most suitable non-resident mortgage products and explain the rate structures, fees, and maximum LTV available to you as an overseas buyer.

Application

We compile your international documentation pack, arrange certified translations where required, and manage the full submission to your chosen UAE lender on your behalf.

Completion

We coordinate completion with the bank and DLD, including power of attorney arrangements if you cannot be present in the UAE at the time of transfer.

Frequently Asked Questions

What is the minimum deposit for a non-resident UAE mortgage?+

Non-resident buyers generally require a minimum deposit of 25% for properties under AED 5 million and 35% for higher-value properties. Some lenders may require up to 40% depending on nationality and income source.

Which nationalities are eligible for a UAE non-resident mortgage?+

Most major lenders accept applicants from Western Europe, North America, Australia, India, and many other countries. A small number of nationalities face restrictions due to regulatory considerations, and we advise on this during your initial consultation.

Can I apply for a UAE mortgage entirely from overseas?+

Yes, the application process can be completed remotely. You will need to provide certified copies of your documents, and a notarised power of attorney can be used for completion if you are unable to travel to the UAE.

What income documentation do non-resident applicants need?+

Lenders typically require three to six months of payslips or two years of company accounts for the self-employed, bank statements, proof of address, and a copy of your passport. Documents may need to be certified or apostilled depending on the lender.

Are UAE mortgage rates higher for non-residents?+

Rates for non-residents are generally slightly higher than for residents and the available LTV is lower, reflecting the additional risk for lenders. However, rates remain competitive and we work hard to secure the best available terms for each client.

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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