Services
Mortgage for Non-Residents
Non-residents can finance UAE property entirely remotely — with a larger down payment and a shorter list of participating banks than residents face.
| Financing (LTV) | 50–60%, up to 65% for strong applicant profiles |
| Rate | from 4.49% p.a. |
| Term | up to 25 years, subject to age at maturity |
| Price | Price on request — quoted after reviewing your country and income profile |
Documents
- Passport
- Visa + Emirates ID, for residents
- Salary certificate / employment contract, for salaried applicants
- 3–6 months personal bank statements (bank-dependent)
- Payslips / WPS evidence, where required
- Company licence, corporate statements, VAT/CT/audit documents, for business-owner applicants
- Property documents: booking form / SPA / Oqood / title deed / MOU / statement of account, depending on the case
- Existing liabilities: credit cards, loans
We reply within 15 minutes during working hours
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Frequently asked questions
Yes, pre-approval and most of the process can be done remotely; a visit is typically only needed for final signing or can sometimes be handled by POA.
Most banks finance only ready (completed) property for non-residents; off-plan is paid via the developer's payment plan instead.
No — banks maintain approved country lists; A&D identifies which banks accept your nationality/residence combination.
Typically AED 15,000–25,000/month equivalent, bank-dependent.
Yes, if you obtain UAE residency after purchase, refinancing to resident terms is common.
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We reply within 15 minutes during working hours
Tell us your goal, your nationality or residency status and your rough timeline — the more specific the first message, the faster we can help.
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