Dubai Mortgages by Residency Status
UAE bank rules vary materially based on whether you hold a UAE passport, a residency visa, or neither. Pick your status below.
UAE Nationals
If you hold a UAE passport, you qualify for the most favourable LTV ratios and longest tenures available in the market.
Min DP
15%
Max LTV
85%
Tenure
25y
View guide
UAE Residents (Expats)
If you hold a valid UAE residency visa, you can finance up to 80% of your property, with documentation requirements that vary by salary and bank.
Min DP
20%
Max LTV
80%
Tenure
25y
View guide
Non-Resident Investors
Foreign investors with no UAE visa can still secure mortgages on freehold properties, with a select group of banks supporting non-resident applications.
Min DP
25%
Max LTV
75%
Tenure
20y
View guide