Live abroad. Own in Dubai with a UAE mortgage.
UAE banks lend non-residents 50% to 65% of a ready home’s value, at indicative rates of 4.99% to 5.99%. No UAE salary needed. We compare 20+ banks, shortlist the ones that accept your nationality and income, and handle the bank side through to the keys. Free for buyers.
- 5.0 on Google
- Central Bank regulated
- The bank pays our fee
How it works
- 1
Tell us where you live
Your country, income and budget, online or on WhatsApp. No documents needed yet.
- 2
We match the banks
We compare 20+ UAE banks and shortlist the ones that accept your nationality and income.
- 3
Approval to keys
We tell you exactly what to send, take your file to the bank, and coordinate the valuation and the transfer day.
What UAE banks offer non-residents.
Indicative non-resident rates, October 2026. All loans subject to bank approval.
The loan
- Share of the value banks lendMost lend 50%; a few go to 60% or 65%
- 50% to 65%
- Interest rates being offered todayDepends on the bank and your profile
- 4.99% to 5.99%
- After any fixed periodThe rate moves to EIBOR plus the bank’s margin
- EIBOR + margin
- Type of homeOff-plan homes are rarely financed for non-residents
- Ready or resale
- UAE salary or salary transferBanks look at your income abroad and your savings
- Not needed
The cash you need: AED 2M ready home, 50% loan
- Down payment, 50%
- AED 1,000,000
- Land Department fee, 4%Officially 2% buyer and 2% seller; buyers usually pay all of it
- AED 80,000
- Agent fee, 2% plus VAT
- AED 42,000
- Bank processing feeUp to 1% of the loan plus VAT
- up to AED 10,500
- Trustee office feeAED 4,000 plus VAT
- AED 4,200
- Mortgage registration0.25% of the loan plus about AED 290
- AED 2,790
- Valuation and small fees
- about AED 3,100
- Total cash
- about AED 1,142,600
That’s about 57% of the price. Since February 2025 banks can’t finance the Land Department or agent fees. Life and property insurance are also required for the life of the loan.
A 10-year Golden Visa through your home.
Buy a home worth AED 2 million or more. Once your payment is made and you receive the pre-title deed, you are eligible for the 10-year Golden Visa. The Dubai Land Department lists the 10-year permit at AED 9,884.75. Visa approval is by the UAE authorities.
Rated 5.0 on Google.
What clients say once their mortgage is arranged, word for word.
I was rejected by several banks, and almost gave up but they helped me to get mortgage and provide A-Z support, helped me to prepare correct documents package and were with me all the way alone the process.
I can’t thank Wayzfinder enough for helping us secure our mortgage/finance. Their communication, expertise, and dedication were outstanding. They went above and beyond to find the best solution for us and made the entire experience stress free. Highly recommended! Thank you Lithin Thomas!
Friendly and knowledgeable people at Wayzfinder. Handled my query, and guided me through the entire process with sooo much ease. Thank you.
Who qualifies, and what you send.
You don’t need any of this to send the form. Each bank sets its own criteria, which is why we match you before you apply.
Who qualifies
- No UAE salary or salary transfer needed
- Banks look at your income abroad and your savings
- Accepted nationalities vary by bank; some publish a list, others review case by case
- All your monthly debt repayments together stay within 50% of your income
The basic documents
- Passport
- Bank statements for the last 6 months
- A credit report from your home country or the UAE
- Each bank may ask for a few extras; we tell you exactly what to send
What banks finance
- Ready or resale homes
- Off-plan homes are rarely financed for non-residents
- Loans up to AED 10 to 15 million at most banks
- Life and property insurance for the life of the loan
Questions from buyers abroad.
Can non-residents get a mortgage in Dubai?
Yes. Many UAE banks lend to non-residents, usually on ready or resale homes and for 50% to 65% of the value set by the bank’s valuer. You don’t need a UAE salary or a salary transfer: banks look at your income abroad and your savings. All loans are subject to bank approval.
What interest rate will I pay as a non-resident?
Indicative non-resident rates at UAE banks are 4.99% to 5.99% (October 2026), depending on the bank and your profile. After any fixed period the rate moves to EIBOR plus the bank’s margin. Holding a UAE Golden Visa can lower the rate at some banks.
How much cash do I need to buy a AED 2 million home?
About AED 1,142,600 with a 50% loan: the AED 1,000,000 down payment plus the 4% Land Department fee, the agent, trustee, registration, valuation and bank fees. That’s about 57% of the price, because banks can’t finance the Land Department or agent fees.
What documents do I need?
Your passport, bank statements for the last 6 months and a credit report from your home country or the UAE. Each bank may ask for a few extras; we tell you exactly what to send before you apply.
Can I get a Golden Visa by buying a home in Dubai?
Buy a home worth AED 2 million or more. Once your payment is made and you receive the pre-title deed, you are eligible for the 10-year Golden Visa. Visa approval is by the UAE authorities.
How does WayzFinder help if I live abroad?
We match you with the banks that accept your nationality and income, so you don’t apply blind. We compare 20+ UAE banks’ non-resident offers, tell you which documents each one needs, and handle the bank, valuation and transfer steps.
Is there a fee to use WayzFinder?
In almost all cases, no. Our fee is paid by the bank once your mortgage is disbursed, so the rate you get through us matches or beats going to the bank directly. Any exception is confirmed with you upfront, in writing, before any work begins.
General information, not a loan offer. Figures checked October 2026 against UAE banks’ published criteria, the Central Bank rulebook and the Dubai Land Department; they change often. All loans subject to bank approval.
Live abroad. Own in Dubai.
Tell us your country, income and budget in about a minute. We shortlist the UAE banks that will lend to you and tell you plainly what it costs.