Buying from overseas

Non-resident mortgages with the banks that accept overseas income, structured so the process can be handled remotely.

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WHO IT'S FOR

For buyers based outside the UAE.

Overseas income earnersEmployed or self-employed abroad, purchasing a UAE property to hold or let out.

Former residentsBuyers who have left the UAE but want to keep or add to a Dubai property.

Diaspora investorsBuying from a home country where UAE banks have an established lending appetite.

Remote purchasersStructuring the whole process (POA, signing, transfers) without needing to be in Dubai.

ELIGIBILITY & THE NUMBERS

Where this typically lands.

Indicative figures: every case is confirmed against the specific bank, property and buyer profile.

40–50%Typical deposit, bank-dependent

FewerLenders participate vs. resident mortgages

POAPower of attorney available for remote signing

HOW IT WORKS

Structured to work from anywhere.

Confirm eligibility by countryEach bank sets its own list of acceptable nationalities and income countries. We start by matching yours.

Verify income remotelyEmployer letters, bank statements and tax documents are reviewed to the bank's standard, without needing a UAE visit.

Property valuationThe bank instructs an independent valuation of the Dubai property.

Sign remotely or by POAMany buyers complete via a power of attorney or e-signature, coordinated with your lawyer.

Transfer & registrationFunds are transferred internationally and the mortgage is registered with the Dubai Land Department.

A NOTE FROM THE DESK

"Buying from overseas isn't about finding one bank willing to lend; it's about finding the few that actually will, and building the file to their exact standard the first time."

FREQUENTLY ASKED

Common questions.

Can I get a mortgage in the UAE if I don't live there?

Yes. Several UAE banks lend to buyers who live and earn abroad, usually with a larger deposit and more documentation than for residents. We match you to the lenders that accept your country, income type and property.

Do I need to travel to Dubai to sign?

Not always. Several banks and developers accept a registered power of attorney or remote e-signature process, coordinated with a local lawyer. We'll confirm what your chosen lender allows before you commit.

Does my home country affect which bank will lend?

Yes. Each bank maintains its own list of countries and income sources it will accept, and this changes over time. We check current appetite across the panel rather than relying on one bank's answer.

Ready to see your own numbers?

Run the calculator for an indicative repayment, or book a call with the desk to structure the finance for this exact case.