Owning property in Dubai isn’t just for residents. Whether you’re seeking a holiday home, diversifying your portfolio, or looking for stable rental income, Smart Bricks makes it easier for non-UAE residents to invest confidently, with mortgage options covering up to 75% of your property’s value.

Here’s everything you need to know to get started.

Why Consider Dubai for Your Next Property Investment?

Dubai offers zero property taxes, strong rental yields, and a stable currency pegged to the USD, making it one of the world’s most attractive investment destinations. With high demand from a growing expat population and a transparent regulatory environment, Dubai real estate remains a resilient, long-term asset for international investors.

Can Non-Residents Get a Mortgage in Dubai?

Yes, many UAE banks offer non-resident mortgages for buyers looking to invest in Dubai. With Smart Bricks guiding you through the process, you can secure financing for your investment property while accessing properties with high growth and income potential identified through our AI-powered sourcing models.

Key Features of Non-Resident Mortgages in Dubai

High Financing Limits

Finance up to AED 20 million, subject to your income and financial profile.

Competitive Rates

Interest rates typically range between 4.5% and 6.5% per annum, offering flexibility for fixed or variable options depending on your financial preferences.

Flexible Tenures

Mortgage terms can extend up to 25 years, giving you the flexibility to structure repayments comfortably.

Loan-to-Value (LTV) Ratios

Expect financing between 50% and 75% of the property’s value, allowing you to leverage your capital efficiently.

Conventional & Islamic Financing Options

Choose from conventional loans or Sharia-compliant Islamic financing to match your financial principles.

Benefits of Financing Your Dubai Property as a Non-Resident

• No UAE income proof is required, relying on your home country income.

• Potential to prepay your mortgage early, often without penalties.

• Ability to build a UAE property portfolio while maintaining liquidity for other investments.

• Generate rental income in USD-pegged AED while benefiting from capital appreciation.

• Establish a financial presence in the UAE, supporting future investment or relocation goals.
  
  
  

Eligibility Requirements for Non-Resident Mortgages

To qualify, you typically need:

• Residency in a country approved by the lending bank.

• Stable income, whether salaried or self-employed, meeting the bank’s minimum requirements.

• A clean credit history in your country of residence.

• Age generally between 21 and 65 at the time of the final repayment.
  
  
  

Documents Required to Apply

To ensure a smooth process, prepare the following:

• Valid passport copy.

• Last 6 months of personal and/or company bank statements.

• Tax returns, where applicable.

• Credit report from your country of residence, if available.

• Salary certificate and recent payslips for salaried applicants.

• For business owners: audited financials, trade license, and company profile.
  
  
  

Start Building Your Dubai Portfolio Today

With competitive mortgage options and high-yielding properties, Dubai remains one of the world’s best locations to invest in real estate as a non-resident. Smart Bricks is here to help you invest confidently and efficiently, whether you’re buying your first overseas property or expanding your global portfolio.

Ready to explore your options? Speak to a Smart Bricks advisor today and begin your Dubai investment journey.