Can I get a Golden Visa with a mortgaged property in Dubai?

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Yes, in many cases. The property must be worth at least 2 million dirhams, and you need a letter from your bank showing what is paid and owed.

  • The AED 2 million test is based on the property value. Confirm current rules and documents with Dubai Land Department before applying.
  • A separate 2-year property visa is also available. In 2026 Dubai removed its old AED 750,000 minimum for sole owners.
  • Off-plan property is generally not accepted for the 2-year visa until it is completed.
  • Buying does not give residency automatically; you apply after the transfer.

Related: Non-resident mortgages

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