Services · Mortgage Assistance
Finance yourDubai property.
Non-residents can get a mortgage in Dubai, just not from a Dutch or European bank. We introduce you to local lenders who understand the European investor profile, and coordinate the journey from feasibility check to drawdown.
~60%
Max LTV: ready property, non-resident
~50%
Max LTV: off-plan financing
Yes
Available to non-residents
Specialist
Trusted mortgage partners
Financing, calmly handled
Leverage your capital, without the legwork.
A mortgage in Dubai is very doable, provided you approach the right bank.
One thing to know up front: Dutch and European banks do not finance property in Dubai. A mortgage always runs through a local bank regulated by the Central Bank of the UAE. For non-residents that is very achievable, but the offer, rates and conditions vary widely from bank to bank, and not every lender serves foreign buyers.
We take that search off your hands. Based on your situation we check feasibility, introduce you to banks that work with the European investor profile, and prepare your file. You keep control of your capital plan; we keep the financing track in step with the purchase itself, so valuation, offer and drawdown line up cleanly with the transfer at the Dubai Land Department.
The Central Bank of the UAE sets the maximum loan-to-value (LTV). The type of property (completed or off-plan) determines how much you can borrow and how much equity you bring. We assess your situation in advance.
Most chosenReady property
Completed unit · LTV up to ~60% (non-resident)
For completed homes, non-residents can typically finance up to around 60% of value (for property up to AED 5 million; above that the ceiling is lower). You bring the remaining ~40% plus the purchase costs.
- Financing based on the bank’s valuation of the property
- Fixed or variable (EIBOR-linked) rate options available
- Term typically up to ~25 years, subject to age and lender policy
- Expect an equity contribution of around 40% plus purchase costs
New buildOff-plan property
Under construction · LTV up to ~50%
For off-plan purchases the maximum LTV is around 50%, regardless of buyer or value. In practice, buyers often combine this with the developer’s payment plan, with the mortgage finalised at handover.
- Maximum LTV of around 50%, a larger equity contribution is needed
- Often combined with the developer’s payment plan
- Not every bank finances every project, project approval matters
- We align the timing with handover and the DLD transfer
From feasibility check to drawdown.
We are not a bank or a lender; we are your guide. We coordinate the full financing journey with trusted, specialist partners, calmly and transparently.
01Eligibility check
We test your profile, income and the property against the banks’ requirements, so you know what is realistic before you start.
02Bank introductions
We introduce you to local banks and mortgage advisers who work with non-residents and the European profile.
03Document preparation
We help you assemble a complete file (passport, proof of income and funds, bank statements) to avoid delays.
04Valuation coordination
We coordinate the bank’s valuation of the property, which sets the amount the mortgage is based on.
05Offer & drawdown
We guide the approval, the offer letter and the drawdown of funds at the transfer with the DLD.
06Coordination with the acquisition
We keep the financing track in step with the purchase process, so valuation, offer and transfer align.
From pre-approval to handover of keys.
A mortgage journey in Dubai typically takes a few weeks. Here is the process step by step, running in parallel with your purchase.
Step 01
Eligibility & pre-approval
We assess your situation and secure a pre-approval, so you search with a clear budget in hand.
Step 02
Bank selection
We compare banks on rate, LTV and conditions and choose the lender that best fits your plan together.
Step 03
Application & documents
We submit the full application with your file: identity, income, funds and the property details.
Step 04
Valuation
The bank has the property valued. The valuation determines the final loan amount.
Step 05
Offer letter
The bank issues a final offer setting out the rate, term and conditions, which you sign.
Step 06
Drawdown at DLD transfer
The mortgage is registered and funds are drawn down at the moment of transfer with the Dubai Land Department.
The numbers
What to expect.
The key parameters at a glance. LTV ceilings follow from Central Bank of the UAE rules; each bank sets rate and term within those limits.
~60%
Max LTV: ready
Maximum financing for non-residents on completed property up to AED 5M; lower above that.
~50%
Max LTV: off-plan
Ceiling for off-plan purchases, regardless of buyer or value. The rest is your equity.
~4-6%
Indicative rate
Guide range for 2026; non-residents usually pay ~0.5-1% above resident pricing. Fixed or variable (EIBOR).
0.25%
Mortgage registration
DLD fee to register the mortgage: 0.25% of the loan amount plus AED 290, paid at transfer.
up to ~25 yrs
Typical term
Common maximum tenor, subject to age and lender policy.
Note: rates and LTV are set by each bank within Central Bank of the UAE limits and depend on your profile, the property and the day’s EIBOR. We always confirm the exact terms with the lender before you commit.
Can non-residents get a mortgage in Dubai?+
Yes. Local banks regulated by the Central Bank of the UAE lend to non-residents. Not every bank does, and conditions vary; we introduce you to lenders that work with the European profile.
How much can I borrow (LTV)?+
For non-residents the maximum loan-to-value is around 60% for completed property (up to AED 5 million; lower above that) and around 50% for off-plan. You bring the remaining equity plus the purchase costs.
What rate and term can I expect?+
Indicatively, rates in 2026 sit around 4-6% per year, with fixed or variable (EIBOR-linked) options. Non-residents usually pay ~0.5-1% more than residents. Terms typically run up to around 25 years, subject to your age and lender policy.
Do Dutch or European banks finance a Dubai purchase?+
No. Dutch and European banks do not provide a mortgage on property in Dubai. Financing always runs through a local UAE bank. Some buyers do bring equity released elsewhere. That is your own decision to make.
What documents do I need?+
Typically a valid passport, proof of income (payslips, or accounts if self-employed), recent bank statements, an overview of your liabilities and the property details. We assemble the exact checklist with the chosen bank.
Sources & transparency
What this page is based on.
The percentages and amounts mentioned are indicative. LTV ceilings follow from the Central Bank of the UAE mortgage regulations; rate, term and conditions are set by each bank and vary with your profile and the property. This page is informational and does not constitute financial advice. De Dam introduces you to independent, specialist mortgage partners.
Ready to explore financing?
Tell us about your plans and your budget. We will outline, with no obligation, whether a mortgage is feasible and which bank fits you best.
