Time Machine Financial Services
Contact Us

UAE Mortgagesfor Residents & Non-Residents

Home finance compared across lenders for residents and non-residents, with loan-to-value limits, fees and eligibility explained before you commit to a property.

  • Residents & Non-Residents
  • Rates Compared
  • Pre-Approval
  • Fees Explained
  • Partner Banks

Published Updated

Home Finance Planned Before You Buy

UAE mortgages are subject to Central Bank limits. For an expatriate buying a first home worth up to AED 5 million, banks can lend up to 80% of the value; the limits are lower for more expensive properties, off-plan purchases and investment properties, and terms run up to 25 years.

Knowing your budget before you make an offer avoids losing a deposit. We check your eligibility, compare fixed and variable offers across lenders, explain the upfront costs such as registration and valuation fees, and support you from pre-approval to final offer.

Downtown Dubai skyline (placeholder)

How Mortgage Support Works

Six steps from budget to completion.

  1. 01

    Budget & Eligibility

    Income, existing debt, residency and deposit reviewed to set a realistic budget.

  2. 02

    Lender Comparison

    Fixed and variable offers compared on rate, fees and early settlement terms.

  3. 03

    Pre-Approval

    Pre-approval obtained so you can make offers with confidence.

  4. 04

    Valuation

    Once you choose a property, the lender arranges a valuation.

  5. 05

    Final Offer

    Final offer terms explained before you sign.

  6. 06

    Transfer & Registration

    Funds released at transfer, with the mortgage registered with the land department.

What You Need to Provide

Typical documents for a UAE mortgage.

  • Passport, and visa and Emirates ID if resident
  • Salary certificate or proof of business income
  • Bank statements, usually six months
  • Details of existing loans and credit cards
  • Property details, once chosen
  • Proof of address abroad, for non-residents

Why Use TMFS for Your Mortgage

The cheapest rate is not always the cheapest mortgage.

Offers compared across lenders

Budget set before you house-hunt

Upfront costs explained clearly

Options for non-residents

Self-employed income presented properly

Support through to transfer

The TMFS Advantage

What sets our mortgage support apart.

Lender Comparison

Offers compared across banks on total cost, not just headline rate.

Non-Resident Options

Lenders that finance buyers living outside the UAE.

Self-Employed Buyers

Business income documented the way lenders want to see it.

Cost Clarity

Registration, valuation and bank fees explained before you commit.

Why Buyers Choose TMFS for Mortgages

Three things clients mention most.

Advisors reviewing documents with a client (placeholder)

Realistic budgets

A clear view of what you can borrow before you make an offer.

No hidden costs

Every fee explained upfront.

End-to-end support

From pre-approval to transfer day.

What Clients Say

Feedback from founders who set up with TMFS.

TMFS has truly been a game changer for me. Their personalized approach to financial services made the entire process easy and stress-free. I trust them completely with my investments and feel secure knowing my financial future is in safe hands.

VT
Vipul TibrewalMarketing Manager, PSP Marketing

I've worked with several financial firms, but TMFS stands out with their attention to detail and commitment to understanding my unique needs. Their professional team has guided me every step of the way, and I couldn't be happier with the results.

FA
Fatima Al MansooriRealtor, Frisko

TMFS has been incredibly supportive and responsive throughout my financial journey. Their personalized broker services have exceeded my expectations, and I now recommend them to anyone looking for trustworthy financial guidance.

PN
Priya NairSales

I came to TMFS with a business idea and very little idea of how UAE setup worked. They recommended the right free zone for my activity, handled the licence paperwork, and had my company registered within a week. What impressed me most was the banking. They prepared my bank application alongside the licence, so my business account was opened soon after instead of dragging on for months. One team, one point of contact, and no surprises on cost.

RM
Rahul MenonFounder, E-commerce Start-up

Keeping up with VAT and the new Corporate Tax rules was taking time away from running the business. TMFS took over our bookkeeping, registered us for Corporate Tax and now files our VAT returns every quarter, always ahead of the deadline. Their team explains what is due and why in plain language, and our accounts are finally clean and audit-ready. It is one less thing I have to worry about.

SW
Sarah WhitfieldDirector, Trading Company

TMFS handled my investor visa and then my wife's and children's family visas, and the whole process was far smoother than I expected. They told us exactly which documents we needed, booked the medicals and Emirates ID appointments, and kept us updated at every step. When we later hired our first two employees, they processed those visas just as quickly. I'd trust them with any visa matter.

OH
Omar HaddadManaging Partner, Consultancy

UAE Mortgages: Frequently Asked Questions

Common questions about home finance in the UAE.

How much deposit do I need?
For an expatriate’s first home up to AED 5 million, at least 20% plus fees. Higher-value properties, investment properties, off-plan purchases and non-residents usually need a larger deposit.
Can non-residents get a UAE mortgage?
Yes, with some lenders, usually at a lower loan-to-value and with more documentation.
What is the maximum mortgage term?
Up to 25 years, subject to age limits at the end of the term that vary by lender.
What upfront costs should I expect?
Land department transfer and mortgage registration fees, valuation fees, bank processing fees and agency fees where applicable. We give you a breakdown for your purchase.
Fixed or variable rate?
Fixed rates give certainty for an initial period; variable rates move with the benchmark. We compare both for your situation.
Can you guarantee approval?
No. Every decision is the lender’s. We help you apply to the lender most likely to approve you on good terms.
Sources & official references

Central Bank of the UAE (CBUAE) · Dubai Land Department

Verification & independence

Prepared from publicly available guidance from the Central Bank of the UAE and UAE federal law as of October 2026. Time Machine Financial Services is independent of the Central Bank of the UAE and is not affiliated with or acting for any UAE government authority.

Mortgage criteria, loan-to-value limits, rates and fees change. Confirm the current position for your situation with the Central Bank of the UAE, or ask us, before acting on this page.

Get expert advice

Speak to a UAE setup specialist

Tell us what you need and a consultant will reply within one working day, with no obligation.

  • The consultant you speak to stays on your file
  • A straight answer on structure, cost and timeline
  • A reply within one working day
  • A free 20-minute consultation

Confidential · A consultant replies within one working day

Planning to Buy Property?

Talk to a TMFS consultant about your budget and the mortgage offers available to you.

Book a Consultation