Non-resident buyers in Dubai can access mortgages from major UAE banks (Emirates NBD, Mashreq, ADCB, Dubai Islamic) with typical LTV (loan-to-value) of 50–60% for the first property and 40% for subsequent properties. Interest rates currently range 4.5–5.5% on variable terms.
Eligibility requires proof of income (last 6 months bank statements + salary certificate or 2 years audited accounts for self-employed), passport copy, credit-history disclosure, and a property valuation. Process typically takes 4–8 weeks from application to disbursement.
4C Homes partners with preferred mortgage brokers to pre-qualify non-resident buyers and shop the best rates across 12+ UAE lenders. We also model monthly repayments using our mortgage calculator.
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