Finance
Getting a Mortgage in Dubai: What Buyers Should Know
Residents and many non-residents can finance a Dubai property. Here are the basics of down payments, approval and costs.
Ahmed Elsawy · CEO · 6 min read
Published · Updated
Short answer: UAE banks lend to both residents and many non-residents. Expatriate buyers typically need a down payment of at least 20% for a first property under AED 5 million, and more for higher-value homes or non-residents.
Down payments
UAE Central Bank rules set minimum down payments. Requirements are higher above AED 5 million and for second properties, and banks may ask non-residents for more.
Get pre-approved first
A mortgage pre-approval tells you how much you can borrow before you start viewing, which makes your offer stronger.
Typical documents
- Passport and, for residents, Emirates ID
- Proof of income such as salary certificate or bank statements
- Credit history from your home country for non-residents
Costs to expect
Plan for the mortgage registration fee, a bank arrangement fee and a valuation fee on top of the standard buying costs.
Casa Porte can introduce you to trusted mortgage advisors.
Frequently asked questions
Can non-residents get a mortgage in Dubai?
Yes, several UAE banks lend to non-residents, usually with a higher down payment.
What is the minimum down payment?
For expatriates buying a first home under AED 5 million, usually at least 20%.
Should I get pre-approval?
Yes, it shows how much you can borrow and strengthens your offer.