# Dubai Mortgage for Non-Residents 2026 — Rates, LTV, Banks | WIZI PREMIUM

> Dubai mortgage for non-residents: up to 50–60% LTV, rates 4.5–6%, 40–50% down. 2026 conditions, banks and steps. Get matched with WIZI PREMIUM.

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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.

By area

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Updated 28 July 2026 · By [WIZI Advisory Team](https://wizipremium.com/about.html) · RERA ORN 60234

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% |

[Can foreigners buy →](https://wizipremium.com/can-foreigners-buy-property-dubai.html) [Apartments for sale →](https://wizipremium.com/dubai-apartments.html) [Off-plan in Dubai →](https://wizipremium.com/buy/off-plan-dubai.html) [Dubai property prices →](https://wizipremium.com/buy/dubai-property-prices.html) [Golden Visa →](https://wizipremium.com/invest/golden-visa.html)

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

Calculator

## Estimate your return

Currency

AED 500k AED 6M

Gross estimate from typical yields; net is lower after service charges (AED 12–25/sq.ft).

Monthly rent —

Annual income —

Gross yield —

Payback —

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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