LTV limits, required documents, which banks approve non-residents, and how the application actually works from abroad.
Can non-residents get a UAE mortgage?
Yes. The UAE allows non-residents to obtain mortgages on freehold properties in designated investment zones. Dubai, Abu Dhabi, and Ras Al Khaimah all have areas open to foreign ownership.
Borrowing limits for non-residents
The UAE Central Bank caps non-resident LTV at 70 percent for properties under AED 5 million — meaning a minimum 30 percent down payment. Above AED 5 million, LTV drops to 65 percent.
Which banks lend to non-residents?
HSBC Middle East, Emirates NBD, Mashreq, FAB and RAKBANK have established non-resident programmes. Approval depends on your country of residence, income source, and the specific property.
Required documentation
Certified passport copy, proof of overseas income, 6 to 12 months of bank statements, a credit report from your home country, proof of overseas address, and property details.
How the remote application works
The entire process can be handled remotely. Banks accept notarised digital signatures or wet signatures via courier. Power of attorney arrangements allow a representative to sign in the UAE.
How long does approval take?
Pre-approval for non-residents typically takes 5 to 15 working days. Full approval takes 4 to 8 weeks. We average significantly faster because we know which desks to approach for non-resident profiles.
Start your application
A free 30-minute call gives you a clear picture of what you qualify for. We assess your profile and tell you exactly which banks to target and what documents to prepare.
