NON-RESIDENT FINANCING

YOUR KEY,
FROM AFAR.

Earn in the UK, India or Canada, buy in Dubai. One advisor compares the UAE banks that lend to you.

RATES FROM

3.75%

PRE APPROVAL

48 HOURS*

BANKS COMPETING

15+

*See our pre-approval terms

ON THE PANEL OF LEADING UAE BANKS

SIXTY SECONDS

Can you get a UAE mortgage from abroad? Find out.

No credit score impact · An advisor calls you

Most overseas buyers qualify for more than they expect. An advisor confirms your numbers by WhatsApp or a call.

IS THIS YOU?

You’ll recognise yourself in one of these.

Three sentences we hear every single week. If one is yours, this page was written for you.

“We earn abroad, and every bank here asks for a UAE salary slip.”

→ YOUR INCOME STILL COUNTS

“We’d like to buy now, without flying in for every step.”

→ WE PLAN IT AROUND YOU

“We want someone on the ground to tell us the truth about what we can borrow.”

→ THAT’S THE WHOLE JOB

ACROSS BORDERS

A border is mostly paperwork.
The paperwork is our job.

Residency, currency, a credit file that lives in another country: the things that stall an application here are the things we handle every week. We know which lenders actively want your profile, and how each one needs to be shown it.

HOW WE CAN HELP

Whatever your stage, there’s a route.

Eight ways we can structure a mortgage for a non-resident, whatever stage your purchase is at.

Buying a home

You have found the home. Now you need the mortgage behind it.

New

A ready home bought straight from the developer.

Resale

A ready home bought from its current owner.

Off-Plan

A home that is still being built.

Getting the keys

Your developer is ready to hand over, and the balance is due.

Handover

The balance due when the developer hands over your keys.

Already own one

The home is yours. Now move it to a better rate.

Buyout

Your mortgage moved to a bank with a better rate.

Why go through us?

Why not just walk into a bank?

You could. These are the six things you would be signing up for, and what we do with each one instead.

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

AT A BANK

Fifteen branches. Fifteen sets of paperwork.

One conversation, one file that we carry everywhere.

AT A BANK

The listed rate. Take it or leave it.

Rates from across the market, matched to you.

AT A BANK

You chase the bank across time zones.

We chase everyone. You get a WhatsApp.

AT A BANK

Four to six weeks, if nothing slips.

Approval in principle in 48 hours*.

AT A BANK

Fees you discover at signing.

Every fee agreed before you start.

AT A BANK

Multiple products in every segment, at every bank. Choose from each section.

We narrow them to what suits you better.

Ready?

Make them compete for you.

One call. No obligation, no cost, no pressure.

THE MONEY, UP FRONT

This month’s negotiated ranges.

Refreshed monthly. Your exact rate depends on profile and bank appetite.

2 YEARS FIXED

from 4.99%

Certainty while you manage it from afar.

MOST CHOSEN BY OVERSEAS BUYERS

3 YEARS FIXED

from 4.19%

Longer calm, lower rate.

THE HONEST NUMBERS

Buying costs roughly 7 to 8% above the price: DLD, agent, bank and registration fees. And all charges are disclosed before you commit. Nothing surprises you at signing.

Rates are indicative, not offers. Tangerine is an advisory, not a lender.

CALCULATOR

How much could you borrow from abroad?

Start with what you earn, in your own currency. We work out what a UAE bank could lend you and the property budget it opens up.

Country of residence

Employment

Monthly income

Your age

Other monthly income

Rental, bonuses or commission. Banks usually count about half.

Monthly debt payments

Loans, car finance.

Credit card limits

Across all cards.

Interest / profit rate

% p.a.

From 4.75% fixed for the first year. Each lender sets its own rate.

A UAE bank could lend you

AED 0

Property budget–

Your deposit (non-resident, 50%)–

Estimated monthly payment–

Term–

Estimate only, not an offer. Based on a 50% limit on monthly debt, 5% of card limits counted as debt and half of other income. Exchange rates updated 26 Oct 2026, Rates By Exchange Rate API.

01/05

WHAT YOU ACTUALLY GET

One call sets all of this in motion.

Not promises. Deliverables, each with a date on it.

15 min

Eligibility, in writing

A real yes/no with numbers.
Day 1

Your true budget

Price plus the ~7 to 8% in fees.
Day 2

Bank shortlist

Three to five lenders who want you.
Day 3

Pre-approval

Your ceiling, fixed.
Week 4

Keys

We’re standing next to you.

HOW IT GOES

Four steps, expertly handled.

Four conversations between this call and your keys, held wherever you are.

Tell us the dream

Fifteen unhurried minutes on a video call. Budget, area, timeline and where your income comes from.

We compare the banks

We take your profile to our lender panel and bring back rates, terms and fees side by side, in plain language.

We handle approval

Paperwork, valuation, follow-ups. We chase the bank so you never have to sit on hold.

Get your keys

Final sign-off, funds released, doors open. We stay on the line right through settlement.

Tap a step to see it

01 / 04

Step 01 · Tell us the dream

SUCCESS STORIES

Stories that end at a front door.

Thank you so much for your relentless effort. I appreciate your professionalism; it’s rare to find these days. You are doing it really well, and yes, many more to come.

Dixon Pereira

Tarun made the entire mortgage process seamless. His honest advice, transparency and constant communication gave us complete confidence from start to finish.

Moheba

Tarun kept us updated without us ever having to chase him, compared offers from multiple banks and explained the pros and cons of each. His honest advice gave us complete confidence. Highly recommended.

Hiba & Mohammed

STILL WONDERING

Answers, minus the fine print.

Anything else? WhatsApp us.

Can I get a UAE mortgage without living here?

Yes. Several UAE banks lend to non-residents, usually asking for a larger deposit and a higher minimum income than for residents. We know which lenders actively want overseas buyers and take your file only to them.

Which income documents will a bank accept from abroad?

Typically six months of bank statements, salary slips or an employer letter, your passport and proof of address; self-employed buyers add company accounts. We tell you exactly what your bank needs before you send anything.

Do I need to fly in to sign?

Not for every step. Pre-approval and most paperwork happen remotely; for the final signing and transfer, many buyers use a power of attorney or plan one short trip. We plan it around you.

How much deposit does a non-resident need?

Expect to put down 40 to 50%, depending on the bank and the property, and budget roughly 7 to 8% on top for DLD, agency, bank and registration fees.

ALSO EXPLORING?

READY WHEN YOU ARE

Let’s get you the keys.

Tell us where you are and an advisor calls you back. No obligation, no pressure.

We provide what is best for you

Nobody here is paid by a bank.

15+ lenders

We approach the ones that fit you.

Clear from the start

All charges are disclosed before you commit.

Prefer to talk? +971 50 312 8955

GET A CALL BACK2 MIN

Your details stay with your advisor. Nothing goes to a lender without your go-ahead.

Chat on WhatsApp

NON-RESIDENT FINANCING

YOUR KEY,FROM AFAR.

SIXTY SECONDS

Can you get a UAE mortgage from abroad? Find out.

IS THIS YOU?

You’ll recognise yourself in one of these.

“We earn abroad, and every bank here asks for a UAE salary slip.”

“We’d like to buy now, without flying in for every step.”

“We want someone on the ground to tell us the truth about what we can borrow.”

ACROSS BORDERS

A border is mostly paperwork.The paperwork is our job.

HOW WE CAN HELP

Whatever your stage, there’s a route.

Buying a home

New

Resale

Off-Plan

Getting the keys

Handover

Already own one

Buyout

Why go through us?

Why not just walk into a bank?

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

One conversation, one file that we carry everywhere.

Rates from across the market, matched to you.

We chase everyone. You get a WhatsApp.

Approval in principle in 48 hours*.

Every fee agreed before you start.

We narrow them to what suits you better.

Make them compete for you.

THE MONEY, UP FRONT

This month’s negotiated ranges.

CALCULATOR

How much could you borrow from abroad?

WHAT YOU ACTUALLY GET

One call sets all of this in motion.

Eligibility, in writing

Your true budget

Bank shortlist

Pre-approval

Keys

HOW IT GOES

Four steps, expertly handled.

Tell us the dream

We compare the banks

We handle approval

Get your keys

SUCCESS STORIES

Stories that end at a front door.

STILL WONDERING

Answers, minus the fine print.

RESIDENTIAL

COMMERCIAL

OFF-PLAN

SHARIA

READY WHEN YOU ARE

Let’s get you the keys.

SPEAK WITH AN ADVISOR

Let’s talk it through.

YOUR KEY,
FROM AFAR.

A border is mostly paperwork.
The paperwork is our job.