Getting a Non-Resident Mortgages in Dubai because it stands as a beacon for expatriates around the world, offering a harmonious blend of business opportunities, leisure activities, and a high standard of living. It is a prime location for those looking to invest in real estate. However, for non-residents, navigating the mortgage landscape can be intricate and challenging. This guide by AIZ Real Estate aims to simplify the complexities and offer essential insights to assist non-residents in their property investment journey in Dubai.

1. Understanding Eligibility and Requirements:

Non-residents seeking a mortgage must acquaint themselves with the stringent eligibility criteria, which are typically more comprehensive than those for residents. A minimum of 25% of the property value is generally required as a down payment, accompanied by verifiable proof of income and a solid credit history.

2. Interest Rates and Loan Duration:

Non-residents should be prepared for potentially higher interest rates and shorter loan durations due to the increased perceived risk associated with non-residency status.

3. Leveraging Mortgage Brokers:

Opting for a mortgage broker who specialises in assisting non-residents can be advantageous. Such brokers, with their extensive connections with banks, can negotiate optimal terms and rates, ensuring clients secure the most suitable mortgage solutions.

4. Variety of Mortgage Options:

Several mortgage types, including fixed and variable rates, are available, each with its distinct benefits and drawbacks. Evaluating these options in line with individual financial situations and goals is crucial for making a well-informed decision.

5. Achieving Property Ownership with Non-Resident Mortgages:

While acquiring a mortgage as a non-resident in Dubai may appear overwhelming, it is achievable with the correct guidance and information. By partnering with experienced mortgage brokers or international banks, non-residents can fulfil their aspiration of property ownership in Dubai and enjoy the plethora of benefits the city has to offer.


With the right guidance and knowledge, securing a mortgage as a non-resident in Dubai is entirely attainable. At AIZ Real Estate, we are committed to providing you with expert advice and support at every step of your mortgage acquisition process, facilitating a seamless and informed path to property ownership in Dubai.

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