Can Foreigners Get Home Loans for Dubai Properties?

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Yes — foreigners can get home loans in Dubai, and the process is now simpler than ever, thanks to UAE’s supportive property and financial regulations. Dubai’s banking sector offers a range of mortgage options for non-residents, allowing overseas investors and expatriates to finance premium developments such as Ellington Hillgate in Dubai Silicon Oasis and Ellington Portside Square in Mina Rashid — two of the city’s most sought-after residential communities.

Most major banks in the UAE, including Emirates NBD, Mashreq, ADCB, and HSBC, provide home loans to foreign buyers. Typically, non-residents can borrow up to 50–60% of a property’s value, while UAE residents can access up to 80%, depending on their income and credit history. Loan tenures usually range between 15 to 25 years, with flexible fixed or variable interest rates.

To qualify, applicants must meet basic conditions such as:

• Maintaining a minimum monthly income (AED 15,000+ for residents or equivalent for non-residents).

• Submitting bank statements, valid ID, and employment or business proof.

• Choosing properties within freehold zones or those approved by the bank.

For example, both Ellington Hillgate and Portside Square are located in freehold areas and are eligible for mortgage financing, making them ideal choices for international investors. The process begins with pre-approval, followed by property selection, valuation, and transfer via the Dubai Land Department.

With structured payment plans, reliable financing, and high ROI potential, Dubai continues to attract global investors seeking luxury, stability, and long-term value in projects like Ellington Hillgate and Ellington Portside Square.