Non-resident Dubai mortgages.
If you don't live in the UAE, your mortgage options narrow but they exist. Here's the bank list, the LTV caps and the documents that matter.
Non-resident buyers face three structural differences from resident expats: lower LTV caps (50–60% vs 80% for residents), higher minimum income thresholds (AED 25,000+ equivalent vs AED 15,000), and slower processing (10–21 days vs 3–5 for residents).
The mainstream non-resident lenders are HSBC, ADCB, FAB, Emirates NBD and Mashreq. HSBC has the strongest international relationship leverage — if you bank with HSBC in the UK, Hong Kong or Singapore, the UAE process is dramatically smoother. ADCB and FAB are the next tier for non-residents without an HSBC relationship.
Non-resident rates available now
| Bank | Product | Type | Rate | Max LTV | Min salary | Effective |
|---|---|---|---|---|---|---|
| HSBC UAE | Non-resident Home Loan | Fixed 5y | 4.89% | 60% | AED 25K | — |
| Emirates NBD | Non-resident Home Loan — 5-year fixed | Fixed 5y | 4.99% | 60% | AED 25K | — |
| Abu Dhabi Commercial Bank (ADCB) | Non-resident Home Loan | Fixed 5y | 5.25% | 60% | AED 25K | — |
Non-resident mortgage FAQs
Can a non-resident get a Dubai mortgage?
Yes. HSBC, ADCB, Emirates NBD, FAB and Mashreq all offer non-resident mortgage products. Expect 50–60% LTV maximum, higher minimum income (typically AED 25,000+ equivalent monthly), and rates 25–50 bps above resident equivalents. The application process is slower (10–21 days vs 3–5 for residents) and documentation is heavier.
What documents do non-residents need?
Passport, last 6 months bank statements from your home country, proof of income (employment letter or business documents for self-employed), proof of address, and source-of-funds documentation for the down payment. Some banks require notarised translations of non-English/Arabic documents.
Which bank is best for non-resident mortgages?
If you bank with HSBC anywhere in the world, HSBC UAE is the easiest path — your existing relationship leverages. If not, ADCB and FAB have competitive non-resident products with established processes for international applicants.
Do I need to be in Dubai to apply?
No, but you'll need to visit at least once for biometrics and to sign final documents at the bank and DLD. Most non-resident applications complete with one or two trips of 2–3 days each.