Who qualifies
A number of UAE lenders offer mortgages to buyers who live abroad. The lender pool is narrower than for residents, and each lender sets its own eligible nationalities, currencies and income standards — so the starting point is identifying which lenders will look at your profile at all.
How much you can borrow
Non-resident LTV limits are typically around 60–65% of the property value, compared with up to 80% for expatriate residents on lower-value property. That means a larger deposit — commonly 35–40% of the purchase price plus costs.
Documentation
Lenders generally require:
- Passport and proof of address in your country of residence.
- Income evidence — salary certificates, audited accounts or bank statements, depending on employment type.
- Bank or credit reference letter.
- Source-of-funds documentation for the deposit.
- Power of attorney, where parts of the process are completed on your behalf.
Practical considerations
Documentation formats matter: some lenders require income evidence in a specific structure, attestation, or statements in English. Getting this right before submission avoids avoidable delays.
Some lenders require in-person signing at specific stages; in other cases a power of attorney can be used. Requirements vary, so confirm the process for your chosen lender early.
A Funds Officer can review your circumstances and identify the lenders whose non-resident criteria fit your profile.
This article is general information, not financial advice. Terms, criteria and lending limits vary by lender and are subject to individual assessment and change. A Funds Officer can review your specific circumstances.