Dubai
Dubai Mortgage Guide for Foreign Buyers (2026)
Loan-to-value, interest rates, eligibility, and the best UAE banks for non-resident mortgages on Dubai property.
February 22, 2026 · 8 min read
Dubai mortgages for non-residents are mature, competitive, and well-regulated. Used correctly, leverage can dramatically improve cash-on-cash returns on yield-focused investments.
How much can you borrow
Non-residents typically secure 50–60% LTV. UAE residents can access 75–80%. First-time UAE buyer rules and DSR limits apply.
Best banks for non-resident lending
Mashreq, ENBD, ADCB, HSBC, and Standard Chartered all run active non-resident desks. Each has nuances around accepted source countries and required income documentation.
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Begin a ConversationFrequently Asked Questions
Can I get a mortgage on off-plan Dubai property?
Yes — most major banks finance off-plan from approved developers, typically disbursing at handover or against construction milestones.