Make Your Dubai Dream Home a Reality with Our Dubai Mortgage for Non Residents

Make your Dubai dream home a reality! Explore tailored Dubai mortgage for non residents with Probo Mortgage. Easy, transparent, and hassle-free solutions.

Dubai has become one of the most attractive destinations for international investors and expatriates looking to own property. With its modern infrastructure, world-class lifestyle, and strong property market, Dubai Mortgage for Non Residents makes buying a home in Dubai no longer just a dream—it can be a reality, even if you are not a resident. At Probo Mortgage, we specialize in providing tailored Dubai mortgage solutions for non residents, helping you secure the best financing options with ease and transparency.

Why Dubai is the Ideal Destination for Property Investment

Dubai’s real estate market has consistently attracted investors worldwide due to its tax-free environment, investor-friendly laws, and high rental yields. The city is not only a hub for business but also offers luxury living, safe communities, and a dynamic lifestyle.

• High rental income potential: Investors can earn 6–8% rental yields, significantly higher than many global property markets.

• Stable economic growth: Dubai’s economy continues to thrive, driven by tourism, trade, and foreign investment.

• World-class infrastructure: From luxury villas to waterfront apartments, Dubai offers diverse property options.

• Tax benefits: No property tax or capital gains tax make Dubai real estate highly attractive for non-residents.

Understanding Dubai Mortgage for Non Residents

Securing a mortgage in Dubai as a non-resident might sound complex, but with the right guidance, the process is straightforward. At Probo Mortgage, we ensure you understand the terms, eligibility, and financial requirements, making your journey smooth.

Eligibility Criteria for Non Residents

While banks in the UAE have specific policies, most allow non-residents to borrow up to 50%–60% of the property value. The requirements generally include:

• Valid passport and visa copy (residency visa not mandatory).

• Proof of income (salary certificate, bank statements, or tax returns).

• Credit history or financial records from your home country.

• Minimum monthly income as per bank requirements (often USD 3,000+).

Maximum Loan Amount and Tenure

• Non-residents can usually access loan amounts up to AED 15 million, depending on income and property value.

• Mortgage tenures typically range from 5 to 25 years, giving flexibility for repayment.

Types of Mortgages Available for Non Residents in Dubai

We provide access to a wide range of mortgage products, customized to suit your financial goals and property plans.

1. Fixed-Rate Mortgages

A fixed-rate mortgage allows you to lock in an interest rate for a set period (usually 1–5 years). This option provides certainty, making it easier to manage your monthly budget.

2. Variable-Rate Mortgages

A variable-rate mortgage is linked to the UAE’s base rate (EIBOR). It may fluctuate but often starts with lower rates, making it attractive for short-term investors.

3. Buy-to-Let Mortgages

Perfect for investors, buy-to-let mortgages are designed for purchasing properties to rent out, maximizing the strong rental yields in Dubai.

Benefits of Choosing Probo Mortgage for Your Non-Resident Mortgage

When it comes to securing a Dubai mortgage for non residents, working with experts makes all the difference. At Probo Mortgage, we offer:

• Access to multiple banks and lenders – ensuring you get the best deals.

• Tailored mortgage solutions – designed to match your financial profile.

• End-to-end support – from application to final approval.

• Hassle-free process – minimizing paperwork and ensuring transparency.

• Competitive interest rates – helping you save money over the long term.

Step-by-Step Guide: How to Secure a Dubai Mortgage as a Non Resident

We make the process of buying property in Dubai straightforward. Here’s how it works:

Step 1: Mortgage Pre-Approval

Before searching for your dream property, it’s essential to get mortgage pre-approval. This shows how much you can borrow and gives you an edge during negotiations.

Step 2: Property Selection

Once you know your budget, you can confidently explore apartments, villas, or off-plan projects across Dubai’s prime locations such as Downtown Dubai, Palm Jumeirah, and Dubai Marina.

Step 3: Formal Mortgage Application

Submit required documents including passport, bank statements, proof of income, and credit history. We handle the coordination with the lender.

Step 4: Property Valuation

The bank conducts a property valuation to determine the loan-to-value ratio (LTV). Non-residents can typically borrow up to 50%–60% of the property price.

Step 5: Final Approval and Handover

Once approved, the mortgage is finalized, and the property transfer is completed with the Dubai Land Department (DLD).

Conclusion

Owning a home in Dubai is no longer a distant dream for non-residents. With Probo Mortgage’s expert guidance, tailored mortgage solutions, and access to the best lenders, we make the process seamless and rewarding. Whether you are purchasing a holiday home, rental property, or long-term investment, our team ensures your dream becomes reality.