If you live outside the UAE and are thinking about financing a property here, we help you understand the general considerations, what finance providers may ask for and how the process can work at a distance.
Prefer to talk it through? Get in touch by phone or WhatsApp.
Not every lender offers mortgages to non-residents, and those that do set their own criteria. Eligibility is never automatic. These are the factors that usually matter.
Your country of residence and where your income is earned can affect which providers will consider an application.
Lenders need to verify income earned outside the UAE, which can mean more paperwork than for residents.
Non-resident applicants are often asked to fund a larger share of the price than residents. The lender confirms what applies.
Lenders may ask for credit information from your country of residence as well as any UAE history.
Requirements differ between providers and countries. These examples are illustrative, not a checklist. We confirm what your case needs before you gather anything.
The property you choose and how you plan to fund the purchase both affect which options are realistic.
Lenders may finance some property types, locations or developers and not others.
Registration, lender, valuation and agency fees are added to the price.
If you earn in another currency, exchange-rate movements can change what your repayments cost you.
Plan how you will sign documents and attend appointments, or whether to appoint a representative.
Much of the early work can be done remotely. Some later steps, such as signing and registration, may need you or a representative to be present.
Tell us about your plans, where you live and how your income is earned. No documents are needed at this stage.
We explain which kinds of providers may consider your application and what they are likely to ask for.
We help you gather and present the documents your case needs, and keep you updated after submission.
If a lender approves the application, it sets out its terms. Signing and registration then complete the purchase.
Straight answers for buyers who live outside the UAE.
No. ASK Financial Services helps you understand your options and prepare your application. Rates, terms and approval are decided by the bank or finance provider.
Some lenders consider applications from non-residents, but criteria vary and not every applicant will be eligible. We give you a realistic view of your options before you apply.
This changes over time and depends on your circumstances. We discuss the kinds of providers that may consider your case; any offer, and its terms, comes from the lender after its own assessment.
Not for the early stages, which can usually be handled by phone, WhatsApp and email. Some later steps, such as signing or registration, may require you or an appointed representative to attend.
Each lender decides how it assesses income earned outside the UAE. We explain what is usually asked for so you can prepare, but acceptance is the lender’s decision.
Other ways we can help with property finance in the UAE.
Our main property finance service, for buyers, movers, investors and owners.
Planning and preparing finance to buy a home in the UAE.
Reviewing an existing mortgage and the cost of moving it.
Estimate a monthly repayment in a few seconds.
Tell us where you live and what you are planning, and we will explain the considerations that apply to you.
