Can non-residents get a mortgage in the UAE?
A straight answer from the team that tracks every UAE bank’s verified pricing — commission-free.
Short answer below, then the detail — and if you want it applied to your own numbers, the calculator and a free advisor check are right here.
Lowest advertised verified rate — we confirm your personal rate free.
Answer: Yes. Several UAE banks lend to non-residents, typically at 50–60% LTV with a leaner document set (passport, income proof, statements — no Emirates ID needed). Rates run slightly above resident pricing.
One verified example of policy movement: RAKBANK’s July 2026 circular reinstated standard 60% LTV for non-residents. The process runs fully remote — see the non-resident guide.
How Mortgease helps
- We confirm how this applies to your profile across 15+ UAE banks — free, commission-free.
- Verified pricing, not poster rates: see the live rate table and the UAE Rate Index.
- Pre-approval typically within 24 hours.
Related questions
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we compare all of them for you, free.