Getting a Mortgage in Dubai for Non-Residents

Secure a mortgage with rates from 3.9% to 8% with expert brokers

Loans from 1M to 35M AED Guaranteed approval Processing in just 2 months

Submit your request, and our mortgage broker will answer all your questions.

Challenges in Getting a Mortgage in the UAE

Both residents and non-residents often face difficulties when applying for a mortgage in the UAE due to the unique characteristics of the local mortgage market. Banks impose strict requirements, and a lack of understanding of local regulations frequently leads to rejections.

Common Reasons for Mortgage Rejections

Low credit score or poor credit history

Incomplete or improperly prepared documentation

Insufficient income that doesn’t meet the bank’s criteria

High level of existing debt

It’s important to note that after a rejection from one bank, this information is recorded in the UAE’s central banking system. This makes the requirements for the borrower even stricter, and after two rejections, securing a mortgage can become nearly impossible.

Guaranteed Mortgage Approval in Dubai

Navision helps you secure a mortgage in Dubai with interest rates from 3.9% to 8% per year, offering guaranteed approval. We handle all the paperwork and communication with banks, so you don’t have to.

For Real Estate Investors

Mortgages for purchasing off-plan properties or ready-to-rent, resell, or flip investments.

For Homebuyers in Dubai

Mortgages for purchasing ready-to-move-in homes, so you can stop renting and start owning.

For Off-Plan Investors

Mortgages for paying final installments (handover) or covering upcoming payments.

For Entrepreneurs and Business Growth

Loans secured against property (land, residential, or commercial) to access working capital for your business needs in the UAE.

Submit your request

Our expert mortgage broker will answer all your questions and guide you through the process.

Getting a Mortgage in Dubai for Non-Residents and Residents

Take advantage of favorable financing conditions for property purchases in the UAE with the support of a professional mortgage broker.

For Residents

We help residents secure mortgages from leading banks in the UAE. From selecting the right property to closing the deal, we support you at every step of the mortgage process.

Mortgage rates starting at 3.89–4.5% annually
Credit history optimization
Guaranteed approval within 2 months
Mortgage disbursement by the 3rd month
Eligibility for a Golden Visa in just 6 months for your family and staff

Service Fee:

20,000 AED upon application

+ 6% commission of the financed amount upon approval

The service includes:

100% refund of the commission in case of bank rejection*

*Bank rejection is possible in rare cases (1%)

For Non-Residents with Verified Income

We help non-residents secure mortgages from top UAE banks. To help lower your interest rate, we can assist with obtaining residency. We provide end-to-end support, from application to property purchase.

Service Fee:

20,000 AED upon application

+ 6% commission of the financed amount upon approval

The service includes:

100% refund of the commission in case of bank rejection*

*Bank rejection is possible in rare cases (1%).

For Non-Residents Without Verified Income

We help non-residents secure residency by arranging legal employment in the UAE, ensuring sufficient income to qualify for a mortgage. We handle all documentation and provide full support throughout the process.

Residency application, including Emirates ID and work visa
Opening personal and salary accounts
Salary account management for 2 to 6 months to confirm income
Guaranteed approval within 2 months
Mortgage disbursement by the 3rd month
Eligibility for a Golden Visa in 6 months for your family and staff

Service Fee:

55,000 AED upon application

+ 6% commission of the financed amount upon approval

The service includes:

100% refund of the commission in case of bank rejection*

*Bank rejection is possible in rare cases (1%).

We Handle All Your Mortgage Needs for Buying Property in Dubai

Even if your case seems hopeless, book a consultation with us. We specialize in solving complex situations and helping you secure a mortgage.

“Dubai offers the most favorable conditions for mortgage investors. The currency is stable, and interest rates start as low as 3.89% annually. Investors can profit from renting properties at yields of 8–12%, resale, or flipping opportunities. Right now, it’s even more cost-effective to purchase a property with a mortgage than to rent.

We help investors secure financing from leading UAE banks under these favorable conditions. We work directly with banks, understand their requirements, and assist borrowers in building a strong case to ensure mortgage approval. Even if you’ve faced rejections before or lack supporting documents beyond your passport, we can help you succeed.”

Nikita Matveev, Mortgage broker

Steps for Getting a Mortgage in Dubai

Submit Your Application

Fill out an online consultation request on our website. Provide your contact details so our expert can reach out to you.

Phone Consultation

A qualification specialist will call you to ask a few questions about your goals, financing needs, and personal situation.

Online Zoom Meeting

We’ll arrange a detailed consultation with a mortgage broker to discuss mortgage terms, answer your questions, provide a personalized calculation, and finalize the agreement.

Contract Signing and LTV Payment

You’ll be invited to our office to sign the contract and receive the invoice for the LTV payment. Once the payment is made, your mortgage broker will begin working on your case.

Document Preparation

For non-residents: We’ll handle all necessary steps to secure residency, including work visa processing, Emirates ID issuance, and opening bank accounts. For residents: We’ll prepare a complete case that meets bank requirements, minimizing the risk of rejection.

Submission to the Bank

We submit your case to the bank and track its progress (typically 2–4 months). You’ll be updated throughout the review process.

Pre-Approval

We’ll secure pre-approval for your mortgage online, with no need for you to be physically present.

Property Selection

We’ll help you find a property that fits your budget and investment goals. Once chosen, we’ll sign a Memorandum of Understanding (MOU) with the seller, which serves as a purchase agreement.

Property Valuation

We oversee the bank’s property valuation process. For properties priced between 1M and 4.99M AED, financing covers 85% of the valuation. For properties priced between 5M and 35M AED, financing covers 65% of the valuation.

Finalizing the Mortgage

The bank will issue the final mortgage agreement. You’ll need to travel to Dubai to sign it. After signing, the funds will be transferred directly to the property seller.

Seamless Management at Every Step

Our service manager oversees the entire process, ensuring all documents are prepared, submitted, and tracked with the bank. You’ll receive regular updates, so you always know the status of your case.

Let us handle the complexities—book your consultation today!

What Happens Next?

After closing the deal, we’ll help you manage your property to ensure your investments are profitable and hassle-free.

Flipping

We’ll handle renovations, find a buyer, and resell your property with annual returns of 15–30%.

Rental

We’ll secure a long-term tenant, draft the rental agreement, and provide rental income with annual yields of 8–12%.

Resale

We’ll find a buyer and resell your property after its value appreciates, delivering returns of up to 30%.

Submit your request, and our expert mortgage broker will answer all your questions and guide you through the process.

Frequently Asked Questions - Guide to Getting a Mortgage in Dubai

How long does it take to process a mortgage?

It takes 2 months to prepare and submit all necessary documents. By the third month, the client will have received approval and can proceed with the transaction.

Can you help if I’ve been denied a mortgage before?

Yes, we specialize in handling complex cases. Submit a consultation request, and our mortgage broker will help you find a solution.

Which banks offer mortgages in Dubai?

We work with leading UAE banks, including Emirates NBD, RAKBANK, First Abu Dhabi Bank, CBD, HSBC, and others. We select the mortgage program based on your case and specific needs.

What are the requirements for getting a mortgage in Dubai?

Both residents and non-residents can apply for a mortgage in Dubai. However, conditions for non-residents are stricter, and fewer banks are willing to provide financing.

Age:Minimum age is 21 years, maximum is 65 years.

Income: Salaried employees must have a minimum monthly income of 15,000 AED, while self-employed individuals need at least 25,000 AED. These requirements may vary depending on the bank.

Down payment: For properties valued under 5M AED, residents must pay at least 25% upfront. For non-residents, the minimum down payment increases to 50%.

Mortgage term: The maximum loan term is 25 years, with a minimum term of 5 years.

Banks may impose additional conditions, such as a minimum employment period with the current employer or restrictions based on the number of previous employers.

What are the mortgage interest rates in Dubai?

Interest rates vary by borrower category:
Residents: Enjoy lower rates starting at 3.89–4.5% annually.
Non-residents: Rates are higher but do not exceed 8% annually.

What documents are required to get a mortgage in Dubai?

Required documents vary by bank, but typically include:

A copy of your passport, Emirates ID, and visa.

Proof of income (salary certificate).

Bank and credit card statements for the past 6–12 months.

Proof of residence (tenancy contract).

Additional documents may be required for entrepreneurs, such as business financial reports, a trade license, tax information, and loan details. Each bank has its own specific requirements, depending on the borrower’s profile.

Can I get a mortgage in Dubai on my own?

You can approach a bank directly, collect the required documents, and submit them for review. However, banks in the UAE often reject applications, even from residents with official employment, due to minor documentation errors. High demand for mortgage loans means banks prefer to reject incomplete applications, and each rejection increases the requirements for future applications. We recommend consulting with a mortgage broker before attempting to apply on your own.

What should non-residents know about getting a mortgage in Dubai?

Banks typically finance 50–60% of the property’s value for non-residents.

Insurance is mandatory.

Non-residents are usually offered shorter loan terms, leading to higher monthly payments.

The down payment is higher compared to residents.

Non-residents can only purchase property in freehold zones.

To secure better mortgage terms, non-residents can apply for residency in the UAE. We can help you obtain residency, allowing you to benefit from lower interest rates and expanded financing options.

Secure a Mortgage in Dubai at 3.9–8% with Guaranteed Approval in 2 Months!

Take advantage of a free consultation with our expert mortgage broker. Submit your request today and get started.

Prime Tower, Business Bay, Dubai
Office No 1107
+971 52 358 8817

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