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Dubai Silicon Oasis, Dubai, UAE
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Yes, you can get a UAE mortgage without living here. Most banks lend non-residents 50–60% of the property value (up to 65% for strong profiles), at fixed rates from about 4.99%. Neon compares every bank that still lends to non-residents and handles the process remotely.
Rates and LTV as of October 2026, subject to bank approval.
Four checks most banks run first. Exact limits vary by lender.
| Lender | Fixed rate | Fixed for | Processing fee |
|---|---|---|---|
| Lender A (Golden Visa holders) | 4.99% | 3 years | 1% |
| Lender B | 5.39% | 3 years | 1% |
| Lender C | 4.69% | 3 years | 1% |
| Lender D | 5.99% | 2 years | 1% |
Rates for salaried applicants. Self-employed usually +0.20–0.30%. Subject to bank approval; confirm before you apply. Updated monthly.
| Your profile | Typical max LTV | Down payment |
|---|---|---|
| Salaried non-resident, ready property | 50–60% | 40–50% |
| Strong profile (high income, clean credit) | Up to 65% | 35% |
| Off-plan property | 50% | 50% |
LTV and down payment figures as of October 2026, subject to bank approval. Your monthly payments on all debts must stay under 50% of income (UAE Central Bank rule). Some websites advertise 75–80% for non-residents. Those limits apply to UAE residents, not to you.
An engineer in London buys a AED 2,000,000 apartment in Dubai Marina. The bank lends 60% (AED 1,200,000) over 25 years at 5.49% fixed.
Illustrative only. Rate and LTV as of October 2026, subject to bank approval.
| Cost | Amount |
|---|---|
| DLD transfer fee | 4% of price + AED 580 |
| Mortgage registration | 0.25% of loan + AED 290 |
| Bank processing fee | 0.5–1% of loan |
| Valuation | AED 2,500–3,150 |
| Trustee office | AED 4,000 + VAT |
| Agent commission | Usually 2% + VAT |
Use the mortgage calculator to see your monthly payment.
Same day
Free eligibility check
We match your profile to banks.
5–10 working days
Pre-approval
Valid 60–90 days.
3–5 days
Property and valuation
5–10 working days
Final offer letter
At transfer
Transfer at the trustee office
In person or by Power of Attorney.
Most applications take 3–6 weeks from start to transfer.
1. Can non-residents get a mortgage in Dubai?
Yes. Most UAE banks lend 50–60% of the property value to non-residents, up to 65% for strong profiles (as of October 2026, subject to bank approval). You need a minimum income and a clean credit report.
2. What is the minimum down payment for non-residents?
Usually 40–50% of the price, plus about 7% for fees. Strong profiles can put down 35% (as of October 2026, subject to bank approval).
3. What mortgage rate will I get as a non-resident?
Fixed rates currently range from about 4.99% to 5.99% (as of October 2026, subject to bank approval). They are usually 0.75–1.5% higher than resident rates.
4. Can I get a mortgage in Dubai without a UAE visa?
Yes. A visa is not required. A Golden Visa can unlock better rates at some banks.
5. Can I complete the whole process from abroad?
Yes. Documents are signed digitally or at an embassy, and the transfer can be done by Power of Attorney.
6. How many UAE banks lend to non-residents?
Around 7–8 banks lend to non-residents, and the list changes as banks pause or restart. Neon tracks which lenders are active every month and matches you to the right one.
7. How long does a non-resident mortgage take?
About 3–6 weeks from application to transfer.
Free, with no obligation. We handle everything remotely.
