Dubai Mortgages · UAE

Dubai Mortgages — For Expats, Residents & Non-Residents

Whether you live in Dubai, are moving here, or are buying from abroad, you can get a mortgage on UAE property. We guide you through eligibility, deposits and approval — then connect you to our trusted mortgage partner who handles the lending. No guessing, no surprises.

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The Essentials

Can You Get a Mortgage in Dubai?

Yes — and not only if you live here. UAE banks lend to residents, expats working in the UAE, and non-residents buying from abroad, though the terms differ. The main variables are your deposit, your income proof, and whether you are salaried or a business owner.

🏠 Residents & expats

UAE residents typically need a deposit from around 20% for a first property under AED 5 million. Salaried and self-employed both qualify with the right paperwork.

🌍 Non-residents

Buying from abroad is possible too — usually with a larger deposit, often 30–40%, and a shorter list of lenders. We know which banks work with non-residents.

💼 Business owners

If your income comes through a company rather than a salary, approval is about presenting your accounts the right way. This is where guidance matters most.

How We Help

You're Guided, Then Connected

Mortgages in the UAE are not hard — they are just unfamiliar, and the paperwork trips people up. We sit on your side of the table: we tell you honestly whether you are likely to qualify, what deposit to expect, and how to present your income — especially if you are a business owner.

Then we connect you to our trusted mortgage partner, who handles the lending, compares banks, and secures your rate. You get the guidance up front and a specialist doing the legwork — not a call centre.

A mortgage pairs naturally with the rest of what we do — buying the property, your Golden Visa, and opening a UAE bank account.

FAQ

Dubai Mortgage FAQs

Can a non-resident get a mortgage in Dubai?
Yes. Several UAE banks lend to non-residents buying property from abroad, typically with a larger deposit (often 30–40%) than residents. We know which lenders work with non-residents and connect you through our partner.
How much deposit do I need?
For UAE residents, deposits usually start around 20% for a first property under AED 5 million. Non-residents and higher-value or second properties generally need more. Your exact figure depends on the lender and your profile.
Can I get a mortgage as a business owner without a salary?
Yes. Self-employed and business-owner applications are common — the key is presenting your company accounts and income the right way. This is exactly what our guidance and partner help with.
Does a mortgage help with the Golden Visa?
Property investment of AED 2 million or more can qualify you for a 10-year Golden Visa, and mortgaged properties can count subject to conditions. We handle the visa side too.
Do you arrange the mortgage yourselves?
We guide you and connect you to our trusted mortgage partner, who handles the lending and secures your rate. You get honest advice up front and a specialist doing the legwork.
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Chris Elliott — Founder & CEO
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