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Home Financing Solutions for Overseas Buyers in the UAE

Owning a property in the UAE is no longer limited to residents alone. Non-residents from around the world can also access mortgage solutions to buy holiday homes, build investment portfolios, or purchase ready properties in Dubai, Abu Dhabi, and beyond. At BNW Mortgages, we make the process seamless by combining global accessibility with expert guidance and trusted partnerships with UAE banks.

Secure loans of up to AED 10 Million for property purchases.

Finance up to 60% of your property’s value with ease.

Repay comfortably with flexible terms of up to 25 years.

Mortgage Solutions for Non-Residents

Non-resident investors enjoy a range of advantages when financing property in the UAE, such as high loan amounts, flexible repayment terms, and access to premium real estate projects. However, the options available are often more limited compared to UAE citizens or residents. That’s where we step in. With BNW Mortgages, you get transparent advice, quick pre-approvals, and customized financing solutions to match your profile. We ensure you can make informed decisions about property types, loan terms, and developer eligibility — no matter where you live.

Home Loan for Salaried Non-Residents

If you are employed abroad, we can help you secure a mortgage in the UAE based on your verified income and financial background. Salary slips, bank statements, and a credit report from your country of residence are generally required. Our team works with you to present your documents in line with bank requirements and maximize your chances of approval.

Home Loan for Self-Employed Non-Residents

Entrepreneurs and business owners abroad can also access UAE property loans. We guide you through the process by assessing business licenses, tax filings, and financial statements. Whether you’re a professional consultant or running an international business, we tailor mortgage options that suit your financial strength and investment goals.

How Does It Work?

The first step in the process is getting a consultation session with our reputed advisor. Our in-house advisors offer customised guidance to make sure you are making a well-informed decision. We help you understand the mortgage calculator to help you figure out how much you can borrow based on your current financial situation.

Initial Consultation

Start with a one-on-one consultation to review eligibility, property options, and mortgage terms available to non-residents.

Finding the Best Options

We match your financial profile with the most suitable banks and highlight competitive offers to maximize your benefits.

Pre-approval

A conditional approval is granted based on your documents and financial background, giving you clarity on the loan amount you can secure.

Application and Paperwork

We handle the complete paperwork process — from property valuation to bank submissions — while keeping you updated at every stage.

Closing and Handover

Once the mortgage is finalized, we help complete the transaction and support you with the property handover.

Ongoing Support

Even after disbursement, we provide continuous guidance for refinancing, repayment support, or future investments in UAE real estate.

Who is Eligible?

Banks in the UAE typically have certain requirements for non-resident borrowers. While details may vary by institution, the general criteria include:

Applicants must be salaried or self-employed.

Minimum age of 21 years at the time of application.

A monthly income threshold (after tax deductions), which differs by bank.

Applicants should be citizens of countries listed by the bank as eligible.

The chosen property must fall under an approved developer or project.

Documents Required

When applying for a non-resident mortgage, you may be asked to provide:

Valid passport copy.

Bank statements for the last 3–6 months.

Proof of income (salary certificate, payslips, or tax returns).

Business trade license and audited financials (if self-employed).

Details of any existing loans.

(Our advisors ensure your application is fully compliant with the requirements of your chosen bank, removing stress and delays from the process.)

Frequently
Asked Questions

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Yes, non-residents can apply for property loans in Dubai, Abu Dhabi, and other Emirates. Banks may have specific eligibility lists for applicant nationalities.

Typically, non-residents can secure up to 50–60% of the property’s value, subject to the bank’s policies and the property type.

Banks in the UAE follow certain standard rules for non-resident mortgages. While some flexibility exists depending on the bank, here are the key benchmarks:

For Salaried Non-Residents:

Minimum monthly income of AED 25,000 (after tax and deductions) over the past 6 months.
Average monthly bank balance of at least AED 20,000 for the last 6 months.
A strong and verifiable credit report from your home country.
No active mortgage in the UAE at the time of application.
Applicant must be below 65 years of age at loan submission.

For Self-Employed Non-Residents:

The company must be operational for at least 1 year.
Maintain an average monthly balance of AED 50,000 for the past 6 months.
A valid and healthy credit history.
No existing mortgage in the UAE.
Applicant must be under 65 years old when applying.

In many cases, applications can be processed remotely, though property registration may require an in-person visit or a legal representative with power of attorney.

Non-resident mortgage interest rates usually start around 4% but vary depending on the bank, loan size, and applicant profile.

Most banks finance ready properties and select off-plan projects from approved developers. We help ensure your chosen property qualifies.