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Sequoia Financing Broker LLC logo
Sequoia Financing Broker LLC logo

Mortgage for Expats in Dubai

Mortgage for Expats in Dubai

Sequoia Financing Broker LLC helps expats like you with all your mortgage requirements in Dubai.

See all our mortgage services in Dubai.

Sequoia Financing Broker LLC helps expats like you with all your mortgage requirements in Dubai.

See all our mortgage services in Dubai.

Get in touch

Get in touch

Sequoia Financing Broker LLC - Mortgage Broker Office in Dubai

Can an expat in Dubai get a mortgage?

Of course you can, banks in Dubai lend money to expats living here if you have a valid visa and a stable income.

The UAE Central Bank has a maximum Loan To Value. This is how much the bank will loan compared to the property's value and it's lower for expats than UAE nationals.

Also the maximum duration for the loan is 25 years and banks also check your age..

Of course you can, banks in Dubai lend money to expats living here if you have a valid visa and a stable income.

The UAE Central Bank has a maximum Loan To Value. This is how much the bank will loan compared to the property's value and it's lower for expats than UAE nationals.

Also the maximum duration for the loan is 25 years and banks also check your age..

What do you need as an expat to
get a mortgage in Dubai?

Who is eligible for a residence mortgage in Dubai?

Residence Status: As an expat in Dubai you need a valid visa and your Emirates ID.


Income: Somewhere around a minimum monthly salary of 10,000 AED - 15,000 AED is required by the banks. For self-employed, they need a higher income or longer business history.


Job Stability: Usually banks like to see a few months or years in your current job or a trade license for business owners.


Credit History: The banks in Dubai check your current credit report plus any existing loans on you.

Age: You need to be at least 21 to get a mortgage as an expat in Dubai, often with a maximum of 65 years depending upon the bank.


Documents: You would need your passport, visa, Emirates ID, salary certificate, bank statements and so on. You can check the full list of documents required on the documents page.

Want the full detail? Read our guide on how to get a mortgage in Dubai.

01
Consultation
Understanding your situation and requirements
02
Eligibility Check
Checking your eligibility across different banks in Dubai
03
Documentation
Taking care of the paperwork so you don't have to deal with it
04
Application & Valuation
We submit your application and the bank values the property
05
Approval & Transfer
Once the bank approves, we guide you through the final offer and property transfer

How it works

Why do expats choose Sequoia Financing Broker as
their mortgage expert in Dubai?

Coming to a new country can get challenging and on top of that getting a new home with a mortgage can feel like a headache. We have helped expats just like you make this entire process smooth and here's why they still come back

We make sure you're not the one chasing us for updates. We are the first ones to call you and inform you about any little update in the process.

We make sure you're not the one chasing us for updates. We are the first ones to call you and inform you about any little update in the process.

We know every other bank in Dubai inside out. There are 50+ banks in Dubai and each have their own rules, eligibility criteria, dcuments needed and requirements. So getting to figure out every single bank will make you sweat, instead turn on the aircon and relax in your house while we do the work for you.

We know every other bank in Dubai inside out. There are 50+ banks in Dubai and each have their own rules, eligibility criteria, dcuments needed and requirements. So getting to figure out every single bank will make you sweat, instead turn on the aircon and relax in your house while we do the work for you.

Banks in Dubai don't play, they have a very strict deadline and they are very strict about it. There are many deadlines in a mortgage process, not just one. We keep a good track on all of them like an eagle looking at the fish.

Banks in Dubai don't play, they have a very strict deadline and they are very strict about it. There are many deadlines in a mortgage process, not just one. We keep a good track on all of them like an eagle looking at the fish.

The main reason a lot of expats enjoy working with us is that we are totally transparent. If we tell you it will cost X then it won't be Y. It's always X. No hidden fees or extra charges. That's it.

The main reason a lot of expats enjoy working with us is that we are totally transparent. If we tell you it will cost X then it won't be Y. It's always X. No hidden fees or extra charges. That's it.

Common challenges faced by expats in Dubai while getting a mortgage

As an expat in Dubai, the biggest challenge you face is that you need a higher deposit than a local resident while getting your mortgage.

As an expat in Dubai, the biggest challenge you face is that you need a higher deposit than a local resident while getting your mortgage.

If you're new to Dubai it will be harder for you to qualify. If you're living outside the UAE there's a whole different process, check our non-resident mortgage guide for that.

Banks look deeper into your banks statements and if they find there is too many changes in your income month to month then you cath their eye..

Banks look deeper into your banks statements and if they find there is too many changes in your income month to month then you cath their eye..

The most common mistake that an expat makes is that they apply to another bank after getting rejected by one, which does more harm to them.

The most common mistake that an expat makes is that they apply to another bank after getting rejected by one, which does more harm to them.

Your credit history in your own country usually doesn't get counted by the Dubai banks, you need a history here.

Your credit history in your own country usually doesn't get counted by the Dubai banks, you need a history here.

Buying your first home? See our first-time buyer mortgage guide.

Tailored mortgage options to fit your financial goals in Dubai

Frequently asked questions by expats in Dubai

Frequently asked questions by expats in Dubai

These are some common questions expats ask to a mortgage broker in Dubai.

These are some common questions expats ask to a mortgage broker in Dubai.

Can an expat in Dubai buy a property with mortgage?

How much down payment does an expat need?

Can I get a mortgage if I am on a tourist visa?

Would you be able to help me if my income is from a different country?

Do you compare offers from different banks in Dubai?

How much time does the entire process take?

Ready to start?

Ready to start?

If you're an expat and want a mortgage in Dubai, let us know. We have helped expats just like you secure their mortgage with competitive rates.

If you're an expat and want a mortgage in Dubai, let us know. We have helped expats just like you secure their mortgage with competitive rates.

Speak with our team