Dubai continues to attract international property buyers with its high rental yields, tax-free returns, and world-class lifestyle. If you’re an overseas investor or expat looking to purchase property here, you’ll be glad to know that getting a mortgage for international buyers in UAE is very much possible — and often easier than expected. However, it requires understanding the process, the costs, and which banks offer the best deals.
Here’s everything you need to know about securing a mortgage in Dubai as a non-resident in 2025.
Can International Buyers Get a Mortgage in the UAE?
Yes — mortgages for international buyers in UAE are widely available, especially in Dubai and Abu Dhabi. You don’t need to be a UAE resident to finance your property purchase. However, non-residents typically face different criteria compared to residents, including slightly higher interest rates and lower maximum loan amounts.
What Are the Current Mortgage Rates for Non-Residents?
As of mid-2025, non-resident mortgage rates in the UAE generally start around 4.19% on reducing balance, depending on the lender and the borrower’s profile. Loan-to-value (LTV) ratios for non-residents are typically capped at 65%.
While these rates are higher than those for residents (who may access rates starting from 3.75%), they are still competitive compared to many international markets.
Which Banks Offer Mortgages for International Buyers?
Several top-tier banks in the UAE offer mortgages for international buyers in UAE, including:
- Mashreq Bank
Known for flexible non-resident mortgage options and remote processing. - Abu Dhabi Commercial Bank (ADCB)
Offers mortgage products tailored to overseas buyers, especially in prime areas. - RAKBANK
Known for straightforward approvals and consistent communication with non-resident applicants. - HSBC UAE
Offers global banking support, especially for clients already banking with HSBC in their home country.
Each bank has slightly different criteria, so working with a mortgage expert is essential to match you with the right lender.
How Capital Zone Can Help
At Capital Zone Mortgage Broker, we specialize in helping overseas and non-resident clients secure the best mortgage for international buyers in UAE. Our expert consultants:
- Compare offers from top UAE banks
- Guide you through documentation and approvals remotely
- Negotiate better rates and terms on your behalf
- Streamline the entire process, from pre-approval to disbursal
Whether you’re buying an investment property, a holiday home, or planning for the future, we help you access the best mortgage deals without the hassle.
Final Thoughts
Getting a mortgage for international buyers in UAE may seem complex, but with the right guidance, it’s completely achievable — even without being physically present in the country. The key is working with experienced advisors who understand the market, the banks, and your unique profile as an overseas investor.
Thinking of investing in Dubai or the wider UAE? Capital Zone is here to make the process easy, transparent, and tailored to your goals.
Disclaimer: Mortgage rates and terms are subject to change based on lender policies and market conditions. Always consult a financial advisor for personalized advice.
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