How to Get a Mortgage in Dubai as an Expat

An expat mortgage in Dubai is a home loan for a resident who is not a UAE national. We start from income, the property and the first-home loan-to-value the banks publish, then open a file. We do not quote a rate in this guide.

On a first home, UAE residents are often up to 80% loan-to-value under AED 5 million and 70% above that price. UAE nationals are often up to 85% under AED 5 million and 75% above. Non-residents are typically 60% on a first home, so the cash deposit is larger. A second or investment home is lower still. These are the bands on our new-purchase page, not a promise from one bank.

Who it fits: salaried residents with a visa and Emirates ID, and non-residents who can show income from abroad. It is a poor fit if the monthly debts, including the new mortgage, would sit above half of income. Banks call that the debt burden, and the cap we publish is 50%.

The usual pack is a passport, Emirates ID and visa for residents, a salary certificate, payslips and bank statements. Many banks want six months. If only three months exist we can still proceed, and some banks then leave the comparison. Self-employed files add the trade licence and company papers. Your advisor confirms the exact bank list.

The path is an initial conversation, a bank valuation, the document pack, then an offer and DLD registration if you proceed. MOVA advisory is free. A TruValue valuation, when you want a figure before the bank's own, is AED 599 (AED 299 with partner coupon).

Read new home purchase mortgage for the resident and non-resident bands, then size the payment on the mortgage eligibility calculator. When the deposit and the income still fit, open free mortgage pre-approval. Other paths sit on Dubai mortgage options.

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