REIN Investment · Non-resident financing
You do not need a UAE visa to hold a UAE mortgage
Banks here lend to non-residents at up to 60% of a completed property's value. The process is document-driven and predictable — if you know the sequence. This is the sequence.
What the caps allow
| Scenario | Max LTV | Deposit from |
|---|---|---|
| Completed property, non-resident | 60% (lender-dependent, 50–60%) | 40% |
| Off-plan during construction | 50% | 50% — usually self-funded instead |
| Resident expat, first property ≤ AED 5M (for comparison) | 80% | 20% |
Caps effective 2026-07-01. CBUAE lending caps as commonly applied by UAE banks; DLD fee schedule. Unverified seed values — confirm before launch.
The document checklist
- Passport copy
- Proof of address in your country of residence
- 6 months of personal bank statements
- Salary certificate or 2 years of audited financials if self-employed
- Existing liabilities statement
- Property details and signed MOU once under offer
The timeline
- 1
Pre-approval
5–10 working days. Income assessed, indicative terms issued. No property required yet.
- 2
Offer + valuation
1–2 weeks. Bank values the unit; the loan is set against the lower of price and valuation.
- 3
Final offer letter
Days. Rate, term and conditions fixed in writing.
- 4
Transfer at the trustee office
1 day. DLD transfer, mortgage registration, keys.
Questions we answer daily
Can non-residents get a mortgage in the UAE?
Yes. Several UAE banks lend to non-residents against completed property, typically at 50–60% loan-to-value, subject to income evidence from your home country.
What deposit does a non-resident need?
Plan for 40–50% of the purchase price plus roughly 8% in fees. On an AED 2,000,000 apartment that is about AED 800,000–1,000,000 down plus AED 160,000 in costs.
Can a non-resident finance an off-plan purchase?
Rarely during construction. The standard route is to self-fund the developer's instalments and mortgage the unit at handover, when it becomes a completed property.
How long does approval take?
Pre-approval typically takes 5–10 working days once documents are complete; final offer and disbursal another 2–3 weeks around valuation and transfer.
Model your exact scenario — deposit, monthly, and the constraint that binds you.
Open the calculatorIndicative only — not an offer of finance. Lender criteria and rates vary and approval is not guaranteed. REIN Investment acts as an intermediary and is not a lender.