Dubai Mortgage Services

Yes. Non-residents can obtain UAE mortgages, though terms differ from those offered to residents. Down payments typically start at 25% to 50% depending on lender and property value, and approved nationalities and income sources vary by bank. We help non-resident clients identify lenders whose criteria fit their profile and structure the application accordingly.

Standard requirements include passport copy, Emirates ID (for residents), 6 months of bank statements, salary certificate or proof of income, recent utility bill or proof of address, and existing loan or liability statements if applicable. Self-employed applicants typically need 2 years of audited financials. Non-residents face additional documentation depending on their country of residence.

Pre-approval typically takes 5 to 10 working days from the date a complete application is submitted. Final approval, after property valuation and final documentation, usually adds another 2 to 4 weeks. The full process from initial application to drawdown commonly runs 30 to 60 days, though timelines depend on the lender, property type, and applicant profile.

Mortgage-related costs typically include bank arrangement fee (around 0.5% to 1% of loan), valuation fee (typically AED 2,500 to 3,500), mortgage registration with the Dubai Land Department (0.25% of loan amount plus admin fee), life insurance (mandatory, varies by age and loan size), and property insurance. Our team prepares a full cost breakdown for every client before any commitment is made.