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A Guide to Dubai Mortgages for Overseas Buyers
How much you can borrow, and what UAE banks ask for
Jul 22, 2026 6 min read
Most UAE banks lend to non-resident foreign nationals, though loan-to-value ratios and documentation requirements differ from what residents can access. Getting pre-approved early fixes your budget before you start viewing.
Documents
What Banks Ask For
- Passport copy and proof of current address
- 6 months of bank statements
- Proof of income — salary certificate or 2 years of audited accounts if self-employed
Process
From Pre-Approval to Drawdown
- 1
Pre-Approval
Submit documents for an initial assessment of your borrowing capacity.
- 2
Property Valuation
The bank appoints a valuer once you have a property under offer.
- 3
Final Offer
A formal mortgage offer is issued, subject to the valuation matching the purchase price.
FAQ
Questions about this guide.
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Talk to usYes, typically with 2 years of audited financial statements and a stronger down payment requirement than salaried applicants.
0.25% of the loan amount, paid to the Dubai Land Department at the time of transfer.
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