The UAE’s real estate market—especially in Dubai—continues to attract global investors with its high rental yields, tax-free income, and world-class developments. But if you’re a non resident investor in UAE, can you still finance a property purchase with a mortgage? The short answer: yes—with the right planning, guidance, and financial partner.
In this guide, we explain how a non resident investor in UAE can successfully secure a mortgage, what the banks are looking for, and how a trusted mortgage broker in Dubai like Capital Zone can help streamline the process.
Can a Non Resident Investor in UAE Get a Mortgage?
Yes, many banks in the UAE offer home financing options for non resident investors in UAE. While the terms may differ from those available to residents, banks are increasingly open to financing international buyers—especially in Dubai and Abu Dhabi.
- Loan-to-Value (LTV) is typically capped at 65% of the property value.
- Only select banks offer non-resident mortgage products.
- Interest rates may be slightly higher than resident offers.
- Proof of income and stable credit history from your home country is required.
This is where working with a qualified mortgage broker in Dubai becomes crucial.
Documents Required for Non Resident Mortgage Applicants
As a non resident investor in UAE, you’ll need to provide:
- Passport copy
- Proof of income (e.g., salary slips or tax returns)
- Bank statements (3–6 months)
- Credit report from your home country
- Proof of address (e.g., utility bill)
- Property sale agreement (once selected)
Requirements may vary based on the bank and your country of residence. A mortgage broker in Dubai can help you navigate this and connect you to lenders that accept your documents.
Key Considerations for Non Resident Investors in UAE
Before applying, here are a few things every non resident investor in UAE should know:
- Eligible Properties: Most banks finance only ready (completed) properties from approved developers in Dubai or Abu Dhabi. Off-plan is typically not available to non-residents.
- Currency & Repayments: Your mortgage will be in AED, so currency risk exists if your income is in another currency.
- Repayment Term: Most terms range from 5 to 25 years, depending on the bank and your age.
- Down Payment: You’ll typically need to pay down payment of 35% upfront, depending on the property and bank.
How Capital Zone Can Help Non Resident Investors in UAE
Navigating UAE mortgage rules from abroad can be complicated—but Capital Zone makes it simple and seamless for any non resident investor in UAE.
Here’s how Capital Zone can support you:
1. Access to Non-Resident-Friendly Banks
Capital Zone works with over 15 banks, including those that specifically offer mortgages for non resident investors in UAE. This ensures you’re matched with the right lender from the start.
2. End-to-End Support from Anywhere in the World
Whether you’re in London, Mumbai, Riyadh, or Toronto, Capital Zone can handle your entire application remotely. Their team assists with document collection, bank coordination, and approvals—without requiring you to fly in.
3. Better Rates Through Bank Partnerships
As a top mortgage broker in Dubai, Capital Zone negotiates preferential rates and fee waivers that you might not access directly through banks.
4. Dedicated Support for Non-Resident Profiles
Their advisors specialize in non-resident financing and know exactly how to position your file to get approved—even if your income or assets are abroad.
5. Property & Legal Guidance
Capital Zone also connects you with trusted real estate agents, valuation companies, and property lawyers to ensure your investment in the UAE is smooth and secure.
Example: Mortgage Scenario for a Non Resident Investor in UAE
- Property Value: AED 2 million
- Down Payment: AED 1 million (50%)
- Loan Amount: AED 1 million
- Interest Rate: Starting from 4.19% fixed for 3 years
- Monthly Payment: Approx. AED 5,400 (depending on term)
This is just an example—rates and terms vary, which is why using a mortgage broker in Dubai is essential for getting the best deal.
Final Thoughts
If you’re a non resident investor in UAE, owning property here is entirely possible—with the right preparation. While the process involves strict documentation and higher upfront payments, the long-term rewards—rental income, capital appreciation, and global diversification—make it worth considering.
And with Capital Zone as your mortgage broker in Dubai, you can enjoy expert advice, access to the best bank deals, and full support—no matter where you live.
Ready to Get Started?
Visit www.capitalzone.ae or contact a Capital Zone advisor today to find out how much you can borrow as a non resident investor in UAE. Let their expert team help you finance your dream property in Dubai with confidence.
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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