Dubai · Guides · Mortgage
Dubai mortgage for non-residents
2026 conditions for non-residents: how much you can borrow, at what rate, what deposit and how to arrange it remotely.
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Quick answer
How to get a Dubai mortgage
A non-resident in Dubai can usually borrow up to 50–60% of the property value (a 40–50% down payment), while UAE residents reach up to 80% on a first home under AED 5M (65% above AED 5M; 60% on a second/investment home; 50% off-plan). Rates in 2026 run from ~4% for residents and ~4.5–6% for non-residents, plus a 0.25% mortgage registration fee. The UAE Central Bank caps the loan term at 25 years, borrower age at 65 (salaried)/70 (self-employed), and the debt-burden ratio at 50% of income. Off-plan is more often paid through developer payment plans than mortgages. Dubai has no annual property tax and no tax on rental income.
2026 market ranges for guidance. 1 USD ≈ AED 3.67. Sources: Property Finder, Bayut, DLD.
By area · 2026
Deposit examples (entry)
A non-resident deposit is 40–50% plus ~7–9% in fees (incl. DLD 4%, ~1% bank arrangement fee and valuation).
| Area | Entry price | Gross yield |
|---|---|---|
| Dubai Marina | from ~AED 720k | 5.5–7.2% |
| Business Bay | from ~AED 690k | 5.5–7% |
| JVC | from ~AED 500k | 7–9% |
| Downtown Dubai | from ~AED 850k | 5–6% |
| Dubai Hills | from ~AED 940k | ~6% |
| Dubai South | from ~AED 450k | 7.5–9.5% |
Worth knowing
Mortgage conditions
In favour
- Non-residents: up to 50–60% of value
- UAE residents: up to 80% (first home ≤AED 5M)
- 2026 rates ~4% residents / 4.5–6% non-residents
- Works on ready and part of off-plan
- No property or rental-income tax
Worth knowing
- High deposit for non-residents (40–50%)
- 0.25% mortgage registration fee (+ ~1% bank arrangement fee)
- Max term 25 years; max age 65 (salaried)/70 (self-employed)
- Debt-burden ratio capped at 50% of income
- Valuation + approval take 4–8 weeks
- Not all off-plan projects are eligible
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Currency
500k6M AED
Gross estimate from typical yields; net is lower after service charges (AED 12–25/sq.ft).
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Buyer FAQ
Common questions
Can a non-resident get a mortgage in Dubai?
Yes — non-residents usually borrow up to 50–60% of value (40–50% down); UAE residents reach up to 80% on a first home under AED 5M (65% above AED 5M, 60% on a second/investment home).
What are Dubai mortgage rates in 2026?
From ~4% for residents and ~4.5–6% for non-residents per year, depending on the bank and profile. The UAE Central Bank caps the term at 25 years, age at 65/70 and the debt-burden ratio at 50%.
What deposit do I need?
A non-resident needs 40–50% of the price plus ~7–9% in fees (DLD 4%, agency 2%, ~1% bank arrangement fee, mortgage registration 0.25%, valuation).
Can I get a mortgage on off-plan?
Sometimes, but off-plan is more commonly bought via developer payment plans (60/40).
How long does approval take?
Typically 4–8 weeks for valuation and approval; it can be arranged remotely.
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