Dubai mortgage for buyers from Turkey
Whether you live in Turkey or already in the UAE, you can finance a Dubai home with a UAE bank. What changes for Turkish buyers: loan limits, lira income, the Findeks report and buying without relocating.
Can Turkish citizens get a mortgage in Dubai?
Yes. UAE banks lend to Turkish citizens on the same rules as other foreign buyers: your residence sets the limit, not your passport. If you live and work in the UAE, you can borrow up to 80% of a first home up to AED 5,000,000. If you live in Turkey, you are a non-resident: most banks lend up to 60% and ask for at least AED 15,000 of monthly income.
Freehold areas such as Dubai Marina, Downtown Dubai, Business Bay and Jumeirah Village Circle are open to foreign buyers, so the title deed is issued in your own name.
The practical differences for buyers from Turkey are income in lira, the Findeks credit report and moving the deposit. Each is covered below.
Two ways to borrow: it depends where you live
UAE banks set terms by where you live and earn, not by your passport. A Turkish citizen living in Dubai and one living in Turkey get different limits for the same home.
Resident terms
- Up to 80% loan on a first home up to AED 5,000,000 (70% above)
- Up to 60% on a second property
- Salary paid in the UAE, Emirates ID and UAE bank statements
Non-resident terms
- Up to 60% loan on a first home, 50% on a second
- Most banks ask for at least AED 15,000 a month (about USD 4,100)
- 10 of the 17 banks in our policy data lend to non-residents
Buying before handover
- Loan-to-value is capped at 50% for every buyer
- Before handover you usually pay the developer's plan from your own funds
- A handover mortgage can cover the final payment
What the bank checks
What buyers from Turkey should know
Documents for a non-resident application
The standard list for a salaried applicant living outside the UAE. Self-employed applicants also provide company documents: trade licence, articles of association, two to three years of audited accounts and company bank statements. Banks may ask for certified translations of documents that are not in English or Arabic.
Purchase costs in Dubai
The usual one-off costs on a ready property bought with a mortgage. They are paid from your own funds, on top of the deposit.
| Cost | Amount |
|---|---|
| Dubai Land Department transfer fee | 4% of the price + AED 580 |
| Mortgage registration | 0.25% of the loan + AED 290 |
| Trustee office fee | AED 4,200 (price from AED 500,000; otherwise AED 2,100) |
| Agency commission | 2% of the price + 5% VAT, when you buy through an agent |
| Bank valuation | About AED 3,150, plus bank processing fees that vary by product |
| MOVA advisory fee | May apply for non-resident applicants; we confirm it in writing before you start |
Example: on a AED 2,000,000 apartment the transfer fee alone is AED 80,580.
How it works from Turkey
Pre-approval
Send your documents online. We check them against each bank's rules and apply where your profile fits.
Property and valuation
Agree the price with the seller or developer. The bank sends its own valuer; the loan is based on the lower of price and valuation.
Final offer and signing
The bank issues the final offer. You sign in Dubai, or in most cases a representative signs for you with a power of attorney notarised in Turkey and legalised for the UAE.
Transfer
Ownership is transferred and the mortgage registered at the Dubai Land Department; the bank pays the seller and the title deed is issued in your name.
Most banks also need a UAE bank account in your name. Depending on the bank, opening it can require a visit to Dubai.
How MOVA helps
MOVA is a mortgage broker in Business Bay, Dubai. We compare UAE banks for you, tell you upfront which ones accept your residency and income, and run the application, valuation and transfer with the bank and the Land Department.
Estate agent or adviser in Turkey? See our referral partner programme.
Questions from buyers in Turkey
Can I use income earned in Turkey to qualify?
Yes. Salary or business income earned in Turkey counts, converted to dirhams at the current rate. Your Turkish loan payments and card limits count towards the 50% debt limit too.
Do UAE banks lend to self-employed buyers from Turkey?
Some do. Self-employed non-residents need company documents and usually two to three years of audited accounts. Fewer banks accept this profile, so we check which ones will before you apply.
Can I buy off-plan from Turkey?
Yes. You pay the developer's instalments during construction and can finance the handover payment with a mortgage, within the 50% off-plan limit.
Do I need to be in Dubai to get a mortgage?
Not for most of it. Documents, pre-approval and the valuation are handled remotely. For signing and the transfer you either come to Dubai or appoint a representative with a power of attorney; some banks also need you in person to open the account.
Can a mortgaged property get me a UAE Golden Visa?
Yes. A property valued at AED 2,000,000 or more can qualify for the 10-year Golden Visa even with a mortgage; the bank's no-objection certificate is needed. The rules are set by the authorities and can change. See our Golden Visa guide.
How much can I borrow?
It depends on your income, debts and age: total debt payments must stay under 50% of income. Try the eligibility calculator and set where you live.
Guides for buyers from other countries
General information, not a mortgage offer or financial, tax or legal advice. Bank criteria change and are confirmed case by case. Limits come from UAE Central Bank rules and MOVA's bank policy data. Last reviewed: 2026-10-29