Mortgage Services

For foreign buyers, purchasing property in Dubai is relatively straightforward compared to many global markets, and mortgage financing is readily available

Dubai Mortgages for Foreign Buyers: A Complete Guide

Dubai has become one of the world’s most attractive real estate destinations, offering high rental yields, a tax-friendly environment, and a cosmopolitan lifestyle. For foreign buyers, purchasing property in Dubai is relatively straightforward compared to many global markets, and mortgage financing is readily available. However, the process has specific rules and requirements that investors should understand before committing.

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white concrete building under blue sky during daytime

Can Foreigners Get a Mortgage in Dubai?

Yes. Foreigners can obtain a mortgage in Dubai, provided the property is located in one of the government-designated freehold areas where non-UAE nationals are allowed to buy. These areas include popular communities such as Downtown Dubai, Dubai Marina, Palm Jumeirah, Business Bay, and Jumeirah Village Circle.

Why Foreign Investors Choose Dubai Mortgages

  • High rental yields: Typically 5–8% annually, higher than many global cities.
  • No property taxes: Buyers only pay one-time transaction fees.
  • Capital appreciation potential: With Dubai’s growing population and global appeal, property values often show long-term growth.
  • Portfolio diversification: Mortgages allow investors to spread capital across multiple properties.

Tips for Foreign Buyers Seeking a Mortgage

1. Work with a local mortgage broker

We work with well established, reputable mortgage brokers who are experienced in funding the best mortgage deals to suit your needs.

2. Get pre-approval

This speeds up the buying process and shows sellers you are a serious buyer.

3. Budget for fees

Beyond the down payment, expect around 6–7% in transaction costs.

4. Choose the right area

Freehold zones offer the best capital appreciation and rental prospects.

5. Plan for currency exchange

Non-residents should account for exchange rate fluctuations when repaying in AED.

We work closely with mortgage brokers in the UAE who are on hand to offer help and advise when purchasing a property in Dubai with a mortgage. Please contact us for more details.

Burj Al-Arab, Dubai