Non Resident Mortgages

Unlock Your Dream Property in Dubai as a Non-Resident

Whether you’re looking for a holiday home, relocating from London or making a strategic property investment, purchasing a property as a non-resident is easier than you think.
Dubai is one of the most attractive cities in the world for investors, homeowners, and expats. With competitive mortgage rates, a tax-free property market and an ever-growing economy, now is the perfect time to purchase real estate in Dubai.
Why move from London to Dubai?
Why are Dubai holiday homes so popular?
How does Dubai benefit real estate investors?
Dubai is one of the most lucrative real estate markets with strong ROI, tax benefits and foreign ownership rights:

✔ High Rental Yields: Investors earn 5-8% rental returns, higher than many global cities.
✔ Tax-Free Investment: No capital gains tax, no property tax, and 0% income tax.
✔ Booming Economy: A fast-growing business hub attracting expats and global investors.
✔ Strong Market Growth: Property values continue to rise with increasing demand.
✔ Full Foreign Ownership: Unlike some countries, non-residents can fully own property in Dubai.

With HM&P, investing in UAE property as a non-resident has never been easier.
How easy is it to purchase Dubai Real Estate?

Our team will be happy to go through options and answer any questions about non-resident mortgages. Contact us to book a free no-obligation phone appointment to find out more about mortgaging as a non-resident. 
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Purchasing Dubai Property as a Non-Resident

Investing in Dubai Real Estate
At HM&P, we make securing a mortgage as a non-resident simple and stress-free. Working with UAE’s leading banks and estate agencies, we provide expert guidance on eligibility, down payments and financing options. Whether you're buying a holiday home, rental property, or expanding your portfolio, our hassle-free service ensures a smooth and seamless mortgage process from start to finish.
(1) Why is Dubai a good place to invest?
> Dubai offers high rental yields, a tax-free property market, and strong capital appreciation. Investors benefit from a stable economy, modern infrastructure, and a growing demand for premium real estate.

(2) What kind of returns can I expect?
> Rental yields in Dubai average 5-8% annually, with some areas exceeding 10%. Property values have also shown consistent growth, making it a lucrative long-term investment.

(3) Are there any property taxes?
> No, Dubai has zero property tax and no capital gains tax, making it a more cost-effective investment compared with cities like London

(4) Can non-residents buy property in Dubai?
> Yes! Non-residents can purchase freehold properties in designated areas, with full ownership rights and no restrictions on resale or rental.

(5) Is Dubai’s real estate market stable?
> Dubai’s government has implemented strict regulations to prevent market crashes, including mortgage caps and investment laws that protect buyers and investors. The market is backed by a strong tourism and business sector, keeping demand high.
Moving from London to Dubai
Relocating from London to Dubai offers an exciting opportunity for a better quality of life, financial benefits and year-round sunshine. With tax-free salaries, luxury living, and a thriving economy, it’s no surprise that more UK residents are making the move.
(1) How does the cost of living compare?
> While some expenses like rent and utilities can be lower in Dubai, other costs such as school fees and luxury goods may be higher. Property prices in prime areas of Dubai are often comparable to London, but with the added benefit of larger, more modern homes.

(2) Is Dubai a good place for families?
> Absolutely. Dubai offers world-class schools, healthcare, and a family-friendly environment. Gated communities, parks, and top-tier international schools make it an excellent choice for those moving with children.

(3) How long does the moving process take?
> With the right planning, moving to Dubai can take just a few months. Residency visas are typically processed within a few weeks, and with expert guidance, finding a home and settling in can be seamless.

(4) How can I secure a property in Dubai?
> Buying a home in Dubai as a non-resident is straightforward with the right support. At HM&P, we specialise in helping UK buyers secure a mortgage, working with Dubai’s top banks to provide the best financing options.
Purchasing a Holiday Home in Dubai
Owning a holiday home in Dubai is a smart alternative to booking hotels for every visit. With world-class attractions, year-round sunshine, and a strong property market, buying a second home in Dubai offers lifestyle and financial benefits.
(1) Why should I buy a holiday home instead of booking hotels?
> Owning a holiday home provides "home away from home" comfort, privacy, flexibility, and long-term savings. You can visit anytime without fluctuating hotel prices and enjoy the comfort of your own space. Plus, purchasing a property above a certain value may qualify you for a long-term UAE residency visa.

(2) Can I rent out my holiday home when I’m not using it?
> Yes! Short-term rentals (Airbnb-style) are popular in Dubai, allowing you to generate passive income when you’re away. With a high demand for vacation rentals, many owners earn strong returns from their properties.

(3) What are the best areas to own a holiday home?
> Prime locations include:
🏝 Palm Jumeirah: Ultra-luxury beachfront villas & apartments.
🌆 Downtown Dubai: Close to Burj Khalifa & Dubai Mall.
🌊 Dubai Marina & JBR: High rental demand & waterfront views.
🏖 Bluewaters Island: Exclusive island living near Ain Dubai.

(4) Is buying a holiday home in Dubai a good investment?
> Yes! Buying a holiday home in Dubai offers lifestyle and financial benefits which are greater than in other places such as London. Dubai offers high rental yields, no property or capital gains tax, lower entry costs than London, and strong market growth driven by tourism and a thriving economy.You can enjoy your holiday home while earning rental income when you're not there. With high demand for short-term rentals, strong property value appreciation and no property taxes, a holiday home in Dubai is a smart investment for both personal and long-term benefits.
Ready to get started? Contact our friendly team and start your journey towards mortgaging a property in Dubai.

    General FAQs

    Can non-residents get a mortgage in Dubai?
    What is the Eligibility Criteria?
    Which Documents are Required?
    For a smooth and efficient application, ensure you have the following:

    ✔ Valid passport for identification
    ✔ 6 months' bank statements (personal & business)
    ✔ Tax returns (if applicable)
    ✔ Credit report from your country of residence (if available)
    ✔ Salary certificates & pay slips (for employed individuals)
    ✔ For self-employed applicants – audited financials, trade licenses, certificates of incorporation, and business profile

    Our team at HM&P will guide you through the process, ensuring all documents meet the bank’s requirements for a seamless approval experience.
    How much can I borrow as a non-resident?
    What are interest rates like for non-resident mortgages?
    How easy is it to rent out a property in Dubai as a non-resident?
    Can I get a mortgage for an off-plan property in Dubai?
    Do I need a UAE bank account to get a mortgage?