Article
Owning property in Dubai isn’t just for residents. Whether you’re seeking a holiday home, diversifying your portfolio, or looking for stable
Key Takeaways
Many UAE banks offer mortgages to non-residents, allowing them to finance up to 75% of a property's value with flexible tenures of up to 25 years.
These mortgages are a viable option because they rely on your income from your home country, removing the need to prove a UAE-based income.
To qualify, non-residents must meet eligibility criteria, including having a stable income and a clean credit history, and provide specific documentation such as a passport, bank statements, and tax returns.
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 Invest in Dubai Real Estate
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.
Mortgage Options for Non-Residents
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, Benefits, and Eligibility
Key Features
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, with fixed or variable options.
Flexible Tenures – Mortgage terms can extend up to 25 years, allowing for manageable repayments.
Loan-to-Value (LTV) Ratios – Expect financing between 50% and 75% of the property’s value.
Conventional & Islamic Financing Options – Choose between conventional loans or Sharia-compliant Islamic financing.
Benefits
No UAE income proof required; use your home country income.
Potential to prepay your mortgage early, often without penalties.
Build a UAE property portfolio while keeping liquidity for other investments.
Generate rental income in USD-pegged AED while benefiting from capital appreciation.
Establish a financial presence in the UAE for future investment or relocation.
Eligibility Requirements
Residency in a country approved by the lending bank.
Stable income (salaried or self-employed).
Clean credit history in your country of residence.
Age between 21 and 65 at the time of final repayment.
Required Documents for Non-Resident Mortgages
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
With competitive mortgage options and high-yielding properties, Dubai remains one of the best locations to invest 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.
