Resident and non-resident mortgages, plainly

Non-resident mortgages are a normal part of the Dubai market. Banks will lend. They will typically ask for a larger deposit, often around 40%, and they will look more closely at the source and stability of overseas income.

Residents, particularly salaried residents with a salary transfer, are usually considered at a higher loan-to-value, commonly starting at 20% down on a first ready property. The precise figure still depends on the bank, the property, and the rest of the file.

What does not change

In both cases the work is the same: a clean reading of eligibility, a comparison that is not tied to one lender, and a file that does not waste a week on avoidable queries.

If you are buying from abroad, start with eligibility and mortgage pre-approval in Dubai before you fly in to view. The visit is more useful when the number is already known. Non-residents can also use the home loan eligibility checker.