How much can non-residents borrow on a Dubai mortgage?

Non-residents typically borrow 50-60% LTV on purchases up to AED 5 million, and 40-50% LTV above that (as of Q2 2026, source: centralbank.ae). For UAE residents this is 75-80% LTV under AED 5M and 60-65% above. The Central Bank of the UAE sets these caps; banks may go lower but not higher.

What rate do I pay on a Dubai mortgage?

Variable rates sit around EIBOR-3M + 1.5-2.5% margin (5-7% all-in), 1- to 5-year fixed rates between 4.5% and 6.5% (as of Q2 2026, source: centralbank.ae). Banks lending to non-residents: HSBC UAE, Mashreq, ENBD, and Standard Chartered. Expect a higher margin for non-residents than for local employees.

Which documents do I need for a Dubai mortgage?

Standard non-resident file: passport, 6 months of bank statements, payslips/annual statements, 2 years of tax returns, an asset overview, and a NOC (No Objection Certificate) from the developer for the specific project. Self-employed need company articles and an accountant statement. Application takes 4-8 weeks (as of Q2 2026, source: centralbank.ae).

Can I combine a UAE mortgage with a Dutch mortgage?

Yes, but the UAE bank assesses worldwide DBR (debt-burden ratio) of maximum 50% of monthly income, including the Dutch mortgage (as of Q2 2026, source: centralbank.ae). This is stricter than Spain (35%). A Dutch mortgage of EUR 1,500/month roughly cuts Dubai borrowing capacity by AED 350,000 in principal at a 30-year term.

Dubai Mortgage Rules 2026

LTV for non-resident buyers

The UAE Central Bank regulates maximum loan-to-value ratios. For non-resident buyers, the maximum LTV is 50% for properties valued up to AED 5 million, and lower for higher-value properties. This means a minimum 50% down payment. Combined with acquisition costs of 7-8%, you need approximately 55-58% of the purchase price available in cash.

Residents of the UAE receive more favorable terms: 80% LTV for properties up to AED 5 million (first property) and 70% for subsequent properties.

Interest rates (per Q2 2026)

Dubai mortgages are typically linked to the EIBOR (Emirates Interbank Offered Rate) plus a bank-specific spread:

Rate type	Range	Structure
Variable rate	5.5-7.0%	3M EIBOR + 2-3% spread
Fixed rate (2-5 years)	4.5-6.0%	Fixed initial period, then variable

Note: "fixed rate" in Dubai typically means fixed for an initial period (2-5 years), after which the rate reverts to variable. True lifetime fixed rates are rare.

DBR cap (Debt Burden Ratio)

UAE Central Bank regulations cap the debt burden ratio at 50% of monthly income. This includes all debt obligations: the Dubai mortgage, any existing mortgage in the Netherlands, car loans, credit cards (5% of limit counted), and personal loans. The calculation uses gross income.

Banks serving non-residents

Emirates NBD: Largest bank in the UAE. Dedicated non-resident mortgage team. English-speaking advisors. Competitive rates for European clients.

ADCB (Abu Dhabi Commercial Bank): Active in Dubai market. Good fixed-rate offerings. Accepts income documentation in English.

Mashreq Bank: Often the most flexible for non-resident applications. Accepts a wider range of income documentation formats.

RAK Bank: Competitive rates for smaller loan amounts. Good processing speed.

HSBC UAE: Useful if you have an existing HSBC relationship. Can leverage global income verification.

Required documents

Identity: Passport copy, proof of address in home country, salary certificate or employment contract.

Income: Last 6 months bank statements, last 3 salary slips (or 2 years accounts if self-employed), tax return from home country.

Property: Signed MOU or SPA, title deed (for resale), floor plan from developer (for off-plan).

Pre-approval process

Get pre-approved before making offers. Most banks can issue a pre-approval letter within 3-5 business days based on your documentation. The pre-approval is typically valid for 60 days. Final approval after the property is identified takes 2-4 weeks, including valuation.

Use our pre-check calculator to estimate your borrowing capacity. For detailed area comparisons: Dubai market guide.

Per Q2 2026. Rates subject to change. Source: UAE Central Bank | Dubai Land Department

Buying costs

Overview of buying costs and taxes
Cost item	Amount	Notes
Mortgage registration fee	0.25% of loan	Paid to DLD
Property valuation	AED 2,500-3,500	Bank-appointed valuer
Life insurance	0.5-0.8% of loan/year	Decreasing term, required
Property insurance	AED 1,000-3,000/year	Building + contents
Processing fee	1% of loan	One-time bank fee

Getting a Mortgage in Dubai as a Non-Resident (2026)

LTV for non-resident buyers

Interest rates (per Q2 2026)

DBR cap (Debt Burden Ratio)

Banks serving non-residents

Required documents

Pre-approval process

Buying costs

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