Mortgages for expats in the UAE: eligibility, deposit and documents

Can expats get a mortgage in the UAE?

Yes. Eligible UAE residents of any nationality can get a mortgage, subject to each bank’s criteria. Most of the rules are the same as for UAE nationals, with slightly lower loan-to-value limits.

What banks look for

• A valid UAE residence visa and Emirates ID.
• Stable income, often from around AED 15,000 a month, though some banks accept less.
• Usually at least 6 months with your current employer if you’re salaried.
• Total debt repayments within 50% of your income.
• A healthy credit history with the Al Etihad Credit Bureau (AECB).
• A loan that ends before age 65 if salaried, or 70 if self-employed.

How much deposit you need

For a first home up to AED 5 million, expat residents typically need at least 20% of the price, plus around 7% for fees and charges. Above AED 5 million the minimum deposit rises to about 30%. See the full breakdown in our guide to buying costs.

Documents you’ll need

• Passport, residence visa and Emirates ID.
• Salary certificate and the last 3 to 6 months of payslips.
• The last 6 months of bank statements.
• Once you’ve found a home: the signed sales agreement (Form F).

Self-employed? Banks also ask for your trade licence and company statements; see self-employed mortgages.

If you don’t live in the UAE yet

Several UAE banks lend to non-residents, usually with deposits of 35–50% and closer checks on income and credit history. Much of the process can be done remotely. Read more about non-resident mortgages.