Dubai mortgage for foreigners: 2026 guide

Foreigners can obtain a mortgage in Dubai with a maximum LTV (loan-to-value) of 50% for non-residents and up to 80% for residents with Golden Visa. Interest rates in 2026 range between 3.99% and 5.5% annually (fixed or variable), with terms of up to 25 years. The main mortgage lenders are Emirates NBD, Mashreq Bank, HSBC, FAB and ADCB.

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Mortgage requirements for foreigners in Dubai

For non-residents

• ✓ Maximum LTV: 50%
• ✓ Minimum down payment: 50% of property value
• ✓ Minimum age: 21 years
• ✓ Maximum age at end of loan term: 65-70 years
• ✓ Verifiable income (bank statements for the last 6-12 months)
• ✓ Maximum Debt Burden Ratio (DBR): 50%

For residents with Golden Visa

• ✓ Maximum LTV: 80% (first property), 65% (additional)
• ✓ Minimum down payment: 20% of property value
• ✓ Same age and DBR conditions
• ✓ Minimum salary: AED 15,000-25,000/month (varies by bank)

Main mortgage banks

Mortgage-related costs

• • Mortgage registration fee: 0.25% of loan value (DLD)
• • Bank arrangement fee: 1% of loan (negotiable)
• • Property valuation: AED 2,500-3,500
• • Life insurance: Mandatory, ~0.4% of loan/year
• • Property insurance: ~0.05% of property value/year

Advantage: Mortgage + Golden Visa

If you buy an AED 4,000,000 property with AED 2,000,000 in cash and finance the rest, the AED 2M equity meets the Golden Visa minimum threshold. This allows you to access a higher-value property with less upfront capital while maintaining eligibility for the 10-year residency.

Required documents

• Valid passport
• Employer letter (if employed) or financial statements (if self-employed/business owner)
• Bank statements (last 6-12 months)
• Tax returns from your country of origin
• Proof of address
• Credit report from your country of origin (Experian, Equifax, etc.)