RealEstate Abroad
Property Financing

United Arab Emirates Mortgages for Non-Residents

How to Get a Mortgage in United Arab Emirates as a Foreigner

Complete guide to UAE property financing, Dubai mortgages, and Islamic banking options for international property investors.

65-75%
Average LTV for Non-Residents
2.5-4.5%
Typical Interest Rates
4-8 weeks
Processing Time
78%
Success Rate
United Arab Emirates Property Financing

United Arab Emirates Mortgage Market Overview

The UAE offers both conventional and Islamic financing options in a tax-free environment. Dubai and Abu Dhabi have mature mortgage markets with competitive rates, though deposit requirements are typically higher than European markets.

Mortgage Market Trends in United Arab Emirates

Loading market data...

LTV Ratio

Up to 70%

Processing Time

4-8 weeks

Foreign Friendly

Yes

Competitive mortgage rates and terms available for international buyers seeking property financing.

How to Get a Mortgage in United Arab Emirates

UAE banks offer competitive mortgage products with both conventional and Sharia-compliant options for residents and non-residents.

Advantages

  • ✓Tax-free environment
  • ✓Islamic financing options
  • ✓Competitive rates (3.5-4.5%)
  • ✓English-speaking banks
  • ✓Modern banking system

Considerations

  • ✗Higher deposit requirements (20-25%)
  • ✗Income requirements strict
  • ✗Processing can be slow
  • ✗Limited terms (15-25 years)
  • ✗Currency exposure risks

United Arab Emirates Mortgage Requirements for Foreigners

  • 1
    Emirates ID or passport
  • 2
    Salary certificate
  • 3
    Bank statements (6 months)
  • 4
    No objection certificate from employer
  • 5
    Property valuation
  • 6
    Life insurance

Calculate Your Mortgage

Use our interactive mortgage calculator to estimate your monthly payments for a property in United Arab Emirates.

Mortgage Calculator

AED 1,500,000
AED 450,000

Mortgage Summary

Loan Amount:AED 1,050,000
Monthly Payment:AED 0
Total Payment:AED 0
Total Interest:AED 0
Loan Breakdown
Principal (Infinity%)Interest (NaN%)

Financing Tip

Your down payment of 20% or more typically qualifies you for the best available rates.

Popular Lenders in United Arab Emirates

Emirates NBD

Emirates NBD

Leading UAE bank with comprehensive mortgage products for expatriates.

Interest Rates:From 4.5% fixed, EIBOR + 2.8% variable
Max LTV:80% for properties under AED 5M
Fees:1% arrangement fee
ADCB

ADCB

Abu Dhabi Commercial Bank offering competitive mortgage rates.

Interest Rates:From 4.3% fixed, EIBOR + 2.5% variable
Max LTV:80% for properties under AED 5M
Fees:1% arrangement fee

Financing Consultation

Get personalized mortgage advice for United Arab Emirates

Our mortgage specialists can help you navigate financing options in United Arab Emirates and connect you with trusted local lenders.

Related Tools

Download Resources

Mortgage Guide

PDF, 3.5MB

Foreign Buyer Checklist

PDF, 1.2MB

Interest Rate Comparison

PDF, 0.8MB

Browse Properties