Mortgage Loan in Dubai | Expat & Non-Resident Financing

Buying a property in Dubai is one of the most secure investments you can make, and getting the right financing can make the process even smoother. Whether you’re a UAE resident or living abroad, Broker in Dubai helps you navigate the entire process of securing a mortgage loan in Dubai through verified banks and financial partners.

We simplify what can often feel complex: finding the right lender, understanding eligibility, comparing rates, and submitting all required documents correctly the first time.

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Getting a Mortgage in Dubai

Dubai’s banking system offers a wide range of mortgage loan options for both residents and non-residents.

Most banks finance up to 75–80% of a property’s value for residents and around 50–60% for non-residents, depending on income, credit history, and property type.

As part of our service, we help you:

Choose the best mortgage type (fixed, variable, or hybrid)
Compare rates across major UAE banks
Prepare and verify your documents
Coordinate directly with the bank and the Dubai Land Department

Our experts ensure your mortgage application meets all criteria, reducing delays and maximizing approval chances.

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Expat Mortgage in Dubai

If you are an expat living in Dubai, you can access competitive mortgage products from local and international banks.

Eligibility usually depends on:

Monthly income or business revenue
Employment stability or company ownership
Credit score and financial history
Property type (ready or off-plan)
Down payment amount

At Broker in Dubai, we work closely with leading banks such as Emirates NBD, Mashreq, ADCB, and HSBC to help expats secure pre-approvals quickly and confidently.

We also provide guidance on required documents, including salary certificates, bank statements, and property details, ensuring a smooth handover once your mortgage is approved.

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Getting a Mortgage in Dubai for Non-Residents

Foreign investors who do not reside in the UAE can still apply for a mortgage loan in Dubai.

While the process is slightly more limited, several banks offer non-resident mortgage programs for international buyers.

Key facts for non-residents:

Loan-to-value ratio (LTV) is typically 50–60%
Minimum loan amount often starts from AED 1 million
Proof of income, credit history, and overseas bank statements are required
The property must be in a freehold area
The process can be completed remotely through a Power of Attorney

Our team assists non-resident investors with pre-approval, valuation, and documentation, ensuring compliance with both UAE banking laws and the Dubai Land Department’s regulations.

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Types of Mortgage Loans in Dubai

When applying for a mortgage, you can choose between several financing structures:

Fixed-Rate Mortgage: Interest rate remains constant for the agreed period (usually 1–5 years). Ideal for buyers who prefer stability.
Variable-Rate Mortgage: Rate fluctuates based on market conditions, potentially offering savings when rates drop.
Offset or Flexi Mortgage: Links your mortgage account to your savings, reducing interest on the outstanding loan amount.
Islamic Mortgage (Sharia-Compliant): Structured as a purchase and resale (Ijara or Murabaha) rather than traditional interest-based lending.

We help you understand which structure best matches your financial profile and long-term goals.

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How Broker in Dubai Helps

Our mortgage assistance service covers everything from initial consultation to final property registration.

We act as your point of contact between the bank, developer, and Dubai Land Department, simplifying what is often a multi-step process.

Our services include:

Mortgage pre-approval and eligibility assessment
Comparison of interest rates and repayment terms
Document preparation and verification
Coordination with developers and trustee offices
Support until your Title Deed is issued

We also assist clients who wish to refinance existing properties for better rates or equity release.

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Common Mortgage Questions

How much can I borrow for a mortgage loan in Dubai?

Residents can typically borrow up to 75–80% of the property’s value. Non-residents are eligible for around 50–60%, depending on the bank.

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What is the mortgage interest rate in Dubai?

Rates usually range between 4% and 6% per year, depending on the lender, loan type, and applicant’s financial profile.

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Can I get a mortgage for an off-plan property?

Yes, but financing is usually available once construction reaches a certain stage. Developers often have partnerships with specific banks.

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How long does it take to get mortgage approval?

Pre-approval can take 3–7 business days. Full approval and transfer typically take 2–4 weeks, depending on document readiness.

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Do I need to live in Dubai to get a mortgage?

No. Several UAE banks offer mortgage loans for non-residents, subject to income verification and minimum property value requirements.

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Why Work with Broker in Dubai

Applying for a mortgage can be time-consuming, especially if you’re abroad or new to UAE banking.

Our experienced real estate specialists handle the entire process for you, professionally, transparently, and in line with Dubai’s real estate regulations.

With Broker in Dubai, you get:

Access to the best mortgage offers from top UAE banks
Priority pre-approvals for faster transactions
End-to-end coordination during property purchase
Assistance with refinancing and valuation
Expert advice in your preferred language

Our focus is not just on getting you a mortgage, it’s on ensuring your investment in Dubai is structured for long-term success.

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Related Service: Property Management Dubai

Once your purchase is complete, our team can help you manage and maintain your investment. From tenant sourcing to maintenance and financial reporting, our Property Management Dubai service ensures your property performs efficiently and retains its value.

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Ready to buy your property in Dubai?

Let Broker in Dubai connect you with trusted lenders and help you secure the right mortgage loan, whether you’re an expat, investor, or non-resident buyer.