Non-resident financing
Plan your UAE property purchase from abroad.
Some UAE lenders finance eligible buyers who live outside the country. Terms vary by lender, so knowing where you stand early saves time.
Buying from abroad
Is it right for you?
Who it suits
Overseas buyers
You live outside the UAE and want to buy a home or investment property here.
Returning residents
You’re planning a move to the UAE and want to buy before or soon after arriving.
International investors
You’re building a UAE property portfolio from abroad.
Step by step
How the financing works
- 01
Check your profile
Country of residence, nationality, income source and currency all affect which lenders can help.
- 02
Confirm the property fits
Lenders have rules on property type, location and developer for non-resident buyers.
- 03
Apply remotely
Much of the process can be handled remotely; some steps may require a visit or signing in person.
- 04
Complete and register
We coordinate valuation, final offer and registration with the lender and seller.
Deposits and terms are lender-specific
There’s no single Central Bank rule for non-resident deposits or rates. Each lender sets its own policy, so we compare the lenders that fit your profile rather than quote one figure.
Before you apply
What to prepare
What lenders look at, what it costs, and the documents you’ll usually need.
What lenders consider
- Your country of residence and nationality
- Income source, currency and how it can be evidenced
- Credit history in your home country
- The property type, location and developer
- The deposit you can provide
Costs to plan for
- Down payment — often higher for non-residents, depending on the lender
- Registration and mortgage registration fees
- Lender arrangement and valuation fees
- Insurance and any currency-transfer costs
Documents
- Passport and proof of overseas address
- Income evidence (payslips, employment letter or business accounts)
- Bank statements, often for 6 months or more
- Credit report from your country of residence, where available
Exact requirements vary by lender.
Our role
How Retention helps
Find the lenders that fit
Not every lender accepts every country or income type. We start with those that do.
Coordinate across time zones
We keep the process moving remotely and tell you when a visit is needed.
Explain every cost
Deposit, fees and currency considerations, before you commit.
Your advisors
Talk it through with the people who’ll handle it.
A Retention advisor guides you from the first comparison through to completion — and is there when you need a review.
Some lenders finance eligible non-residents. Availability depends on your residence, income and the property.
Much can be done remotely, but some lenders or registration steps may require you to be present or appoint a representative.
It’s set by each lender for non-residents and is often higher than for residents. We’ll compare what’s available for your profile.
Plan your UAE property purchase from abroad.
Tell us what you’re planning. An advisor will help you understand the next step.