Dec 4, 2024
Dubai, a city known for its dynamic energy and global appeal, has become a dream destination for expatriates looking to build a secure and thriving future. It’s not just about the career opportunities; Dubai offers a unique chance to create a life full of possibilities, including property ownership.
Getting a mortgage in Dubai for non-residents is one key way expats can move from dreaming of a home to owning one. Dubai mortgage for non residents is designed to help expats achieve that goal, and with the right knowledge, the process can be seamless.
In this article, we’ll guide you step by step through the process—exploring the Dubai mortgage rules and options available, understanding the laws that govern them, and showing you how to get closer to owning a piece of this extraordinary city with a mortgage for non-residents in Dubai.
Whether you’re considering a mortgage Dubai non-resident option or curious about how the Dubai home loan for non residents works, we’ve got you covered.
Dubai has created a supportive legal framework to make property ownership easier and more accessible for expatriates, ensuring the rights of all parties involved in mortgage transactions are protected. For expats, understanding Dubai real estate laws and regulations, as well as the specifics of loan-to-value (LTV) ratios and other financial requirements is key to navigating the property market effectively, especially when it comes to mortgages in Dubai for non residents.
The rules governing this Dubai mortgage for non residents are designed to make the process as clear and transparent as possible, giving expatriates a solid foundation to work with when pursuing property ownership in this bustling city.
The UAE Central Bank regulations outline clear LTV ratios for expat buyers:
Based on these LTV ratios, expats must provide a down payment ranging from 25% to 40% of the property’s value. This upfront payment serves as a vital indicator of financial stability and commitment to the purchase, an important step when applying for a Dubai home loan for non residents.
Beyond the down payment, expats should account for other associated costs, including:
By understanding mortgage in dubai for non residents rules and financial obligations, expats can approach property ownership in Dubai with clarity and confidence. Proper financial planning ensures a smoother buying experience, bringing you closer to owning your dream property in this remarkable city with the help of mortgages in Dubai for non residents.
Learn More: is it a good time to buy property in dubai?
Owning property in Dubai is a significant milestone, and for expatriates, meeting specific requirements is essential to secure a mortgage. These conditions are designed to assure banks of your financial stability and repayment ability, especially when considering a dubai home loan for non residents.
For those interested in buying property in Dubai foreigners, understanding these requirements is crucial to navigating the process smoothly.
Whether you're looking at a home loan in Dubai for expats or exploring a Dubai mortgage for non residents, it’s important to understand the requirements for approval. Here’s what you need to know:
Banks prioritize applicants with a solid financial history:
To apply for a mortgage, you’ll need to gather the following:
Eligibility for a mortgage is influenced by your age and employment status:
Banks ensure that your total monthly obligations, including existing loans and credit card payments, do not exceed 50% of your monthly income. Maintaining a lower ratio not only increases your chances of approval but also demonstrates financial prudence when seeking a mortgage for non residents in Dubai.
By preparing all necessary documents and understanding these conditions, you can simplify the mortgage application process.
Every step you take toward meeting these criteria brings you closer to owning property in Dubai—a city that combines stability, growth, and unmatched opportunities for a prosperous future, especially when exploring getting a mortgage in Dubai for non residents.
Starting your journey to owning property in Dubai kicks off with securing that all-important initial mortgage approval. This step is crucial, not only because it gives you a clear idea of your budget, but it also puts you in a stronger position when navigating the property market.
If you're considering getting a mortgage in Dubai for non residents, here’s a simple, step-by-step guide to help you get the ball rolling:
Once you’ve got a handle on your finances, it’s time to get your paperwork together. Here’s what you’ll need:
Not all banks are the same, so do a bit of homework before deciding where to apply:
Securing initial mortgage approval isn’t just a box to tick. It shows sellers you’re a serious buyer and can make the whole process smoother when you’re ready to close the deal.
With all your prep work done, you’ll be one step closer to buying property in Dubai, all thanks to that mortgage for non residents in Dubai.
Securing a Dubai mortgage for non residents isn’t a quick fix; it requires thoughtful planning and a strategic approach
Whether you’re just starting to look into mortgages in Dubai for non residents or you’ve already set your sights on a property, these tips will help you avoid common pitfalls and get the best deal possible:
By following these tips, you can set yourself up for success when applying for a Dubai mortgage for non residents.
Preparation, research, and expert advice are key to making the process smoother and ensuring you get the best deal, with these strategies in place, you’ll be well on your way to turning your dream of owning a property in Dubai into a reality!
Learn more: Leasehold vs Freehold Dubai
Dubai is a city of endless opportunities and a hub for thriving investments, making it an ideal destination for expatriates looking to create a prosperous and fulfilling future. By gaining a clear understanding of the Dubai mortgage for non residents and the requirements involved, and by leveraging practical tips and expert guidance, you can turn your dream of owning a home into a reality. Whether you’re considering a home loan in Dubai for expats or exploring other options, success in this journey begins with careful planning and thoughtful preparation.
Now is the perfect time to take that first step toward achieving your property goals in Dubai. Explore your options, consult with trusted professionals, and begin building a strong foundation for your future and your family’s well-being, especially with the right mortgage for non residents in Dubai in place. In a city that celebrates ambition and supports success, the opportunities are vast, and the decision is yours to make a lasting and positive change in your life, whether you’re looking at getting a mortgage in Dubai for non residents or diving deeper into the real estate market.
With everything lined up, the dream of homeownership in Dubai is within reach - make it a reality today!
Can foreigners buy property in Dubai with mortgage?
Yes, expatriates can apply for mortgages in Dubai. Many UAE banks offer financing options specifically tailored for expats, with competitive terms and conditions.
What is the maximum financing available to expats when purchasing property in Dubai?
Expats can secure up to 80% financing for a first home valued below AED 5 million. For properties exceeding this value, the maximum financing is 70%. For a second property, the loan-to-value ratio drops to 60%, regardless of the property’s value.
Can I get a mortgage for an off-plan property?
Yes, financing for off-plan properties (under construction) is available from some banks, though it may come with additional requirements such as a larger down payment or extra guarantees.
Does my credit history in my home country affect my eligibility for a mortgage in Dubai?
Banks in the UAE primarily focus on your credit history within the country. However, some may also consider your financial obligations and credit history from your home country, especially if you are new to the UAE.
Do I need to be a UAE resident to obtain a mortgage?
Yes, a valid residence visa is required for most mortgage applications. However, some banks offer financing options for non-residents under specific conditions.
In real estate, knowledge is everything.Our blog offers timely insights on real estate investment in Dubai, market analysis, legal updates, and tips to guide your property journey.
11 Sep, 2025
The idea of buying a house in Dubai can feel out of reach until you realize how many places fall under what most people would actually call “affordable.”
That doesn’t mean cheap in the marketing sense. It means areas where you can realistically own property without stretching too far.
Whether you're a first-time buyer, an expat on a budget, or just looking for something simple to start with, there are options out there. You just need to know where to look and what the numbers really mean when they say cheap houses for sale in Dubai.
From the cheapest apartment in Dubai to low-cost villas in outer communities, it’s not just about the price tagit’s about what’s possible.
In Dubai, “cheap” doesn’t mean rundown. It just means realistic. You’re not getting a beachfront villa for AED 300,000, but you might find a small apartment in a decent area, with enough space to live comfortably.
Some studios in Dubailand or International City start around AED 160,000 to 250,000, depending on the building and the layout. Two-bedroom apartments can land somewhere between AED 300,000 and 500,000, especially if you’re looking in older communities.
Prices move, of course. But if you're aiming for the cheapest apartment in Dubai, this is the kind of range you’re working with. It’s where your search for cheap houses for sale in Dubai really begins and where most buyers start to realize what’s actually possible.
Invest Now: properties for sale in Dubai
If your budget is tight, your location matters more than anything else.
Some areas offer lower prices simply because they’re farther from the city center, or the buildings are a little older. But that doesn’t mean they’re bad choices. It just means you have to be clear on what you’re trading off.
International City is usually one of the first names that come up, with small apartments, simple buildings, and prices that often start under AED 200,000. Dubailand has a wide mix too, with some units going for even less.
Then there’s Discovery Gardens and parts of JVC, where you’ll find affordable one and two-bedroom options in livable communities with access to the metro or main roads.
If you're serious about finding a Dubai house for sale at a low price, this is where most people start looking and where many end up buying. It’s also where the search for cheap houses for sale in Dubai becomes more real than theoretical.
If you’re looking for the lowest entry point, it’s going to be an apartment. Studios and one-bedrooms are where the market starts, with prices as low as AED 160,000 in areas like Dubailand or International City.
Some older buildings go even lower, but they often come with trade-offs in maintenance, location, or limited resale potential. If you're hunting for the cheapest apartment in Dubai, this is where most people begin.
Villas, on the other hand, are in a different league. Even the most budget-friendly ones, like the small townhouses in Akoya Oxygen or The Valley, tend to start around AED 900,000 to 1.1 million.
That’s still considered cheap for a villa in Dubai. But if you’re comparing the two, apartments will always get you in the door for less. If you're not ready to buy, there are also cheap villas for rent in Dubai, which we’ll come back to later. It just depends on what kind of door you’re hoping to walk through.
If you need a bit more space, maybe a second bedroom for family, guests, or a home office, you’re still not priced out. You’ll just have to be a little more specific in where you search.
In places like International City, Dubai South, or the outskirts of Dubailand, you can still find two-bedroom apartments starting around AED 350,000 to 500,000. They’re not brand new, and they’re not downtown; they’re real homes, in livable areas, owned by real people who started just like you. If you’re looking for cheap houses for sale in Dubai with a little more room to grow, this is a smart place to start.
And if you're after the cheapest 2 bedroom apartment for sale in Dubai, that’s the window you’re working with.
Some listings look too good to be true, and they usually are.
You might see a headline shouting “2-bedroom apartment for AED 250,000,” but the pictures don’t match, or the fine print says it's a shared title, or the building hasn’t been maintained in years.
In other cases, the price is real, but the service charges are so high they cancel out the savings. If you’re buying on a budget, it’s easy to get pulled in by the number. But the number isn’t the full story. Always ask why a property is priced low and make sure you understand what you’re actually buying before you get too excited.
Because even when it comes to cheap houses for sale in Dubai, not everything is as simple as it seems.
If buying isn’t possible just yet, renting a villa can be a good middle ground. It gives you more space, more privacy, and time to figure out where you actually want to live long term.
In areas like JVC, Mirdif, or parts of Dubailand, you’ll find smaller villas renting for around AED 90,000 to 120,000 a year. It’s not pocket change, but it’s a way to enjoy the villa lifestyle without the commitment of a mortgage.
If you're looking for cheap villas for rent in Dubai, this is where most people start. And for some, renting first ends up being the smartest step before buying.
Mada Properties helps people find homes that make sense for their budget, their lifestyle, and their long-term plans.
Whether you're buying your first apartment or looking for something affordable in a growing area, they focus on what actually works for you. That includes guiding you through real options, not just ads that sound too good to be true.
If you’re searching for cheap houses for sale in Dubai, Mada brings the clarity, context, and support to help you make the right choice. No pressure. No false promises. Just real advice, a wide range of options, and a team that stays with you from the first viewing to the final papers.
In a market full of noise, Mada keeps it simple and human, contact us Today!
There’s no shortage of listings that claim to be affordable. The real challenge is knowing which ones are worth your time.
If you’re looking for cheap houses for sale in Dubai, they exist, but they’re not always easy to spot, and they rarely come with big signs saying “smart buy.” It takes patience, some research, and a clear view of what you’re willing to compromise on and what you’re not.
You might start with the cheapest apartment in Dubai, or aim for something bigger later on. Because the goal isn’t just to find something cheap. It’s to find something that works.
09 Sep, 2025
One of the first questions people ask when buying or renting property in Dubai is: “How much does the agent take?”
It’s a fair question and an important one. Real estate agent commission in Dubai is standard practice, but the details aren’t always clear until you’re deep in the process. Who pays it? How much is it? Is it fixed, or can it be negotiated? And what’s the difference between real estate agent commission and service fees?
This article breaks it down in plain terms so you know what to expect, what’s fair, and what to look out for.
It’s the fee you pay for having someone guide you through the deal. Whether you’re buying, selling, or renting, real estate agents earn their income through commission. It’s usually a percentage of the property price or, in the case of rentals, a cut of the annual rent.
Some people call it a service fee. Others just call it “the agent’s cut.” Officially, it’s known as the real estate agent commission, and in Dubai, it’s a well-established part of how the market works. Real estate agent fees vary depending on the deal, but one thing is constant: it’s something you should know about from the start.
If you're buying a property on the secondary market, the usual real estate agent commission in Dubai is 2% of the sale price, plus 5% VAT.
Most of the time, that’s paid by the buyer, but there are exceptions. For rentals, agents typically take 5% of the annual rent, or a flat fee, whichever is higher. That means if the rent is low, you’ll still pay something close to AED 5,000.
These real estate agent fees are fairly standard across the market. For off-plan properties, the commission is usually handled by the developer, not the buyer. That fee can range anywhere from 2% to 6%, but you won’t be the one paying it.
In most resale deals, it’s the buyer who pays the real estate agent commission. That’s the norm in Dubai. But it’s not a rule, and sometimes it gets split or negotiated, especially in high-value deals.
With off-plan properties, the developer covers the fee, so the buyer doesn’t pay anything. For rentals, it usually falls on the tenant, though there are rare cases where the landlord picks it up.
The way real estate agent commission in Dubai is handled depends on the type of deal and who’s in the stronger position to negotiate. Bottom line: always ask before you get too far. The number itself matters, but so does knowing who it’s coming from.
There’s no need to guess. The numbers are simple once you know what to look for.
If you’re buying a property, take 2% of the purchase price, then add 5% VAT on that amount. That’s your agent’s fee. So for an AED 2 million home, you’re looking at AED 42,000 total. Renting? It’s usually 5% of the yearly rent. Some agents charge a flat fee instead, often around AED 5,000, whichever is higher.
If you’re unsure, a Dubai real estate commission calculator can help double-check the math. But once you know the formula, you may not need one.
Most people don’t mind paying commission; what they mind is being surprised by it.
Some say they were told 2%, but didn’t realize that VAT comes on top. Others mention being asked for a flat AED 5,000, even on low-rent apartments. A few say they negotiated a better deal.
These kinds of real estate agent fees catch people off guard when they’re not spelled out early. And the one thing that comes up again and again is this: “I wish I had asked earlier.” It’s not just about the amount. It’s about knowing where you stand before things move too far.
Invest Now: properties for sale in Dubai
Not all agents charge the same, and there’s a reason for that. Some deals take more time. Some properties are harder to move. And some agents simply bring more to the table.
A good agent doesn’t just unlock a door; they guide you through the whole thing: the paperwork, the negotiation, the back and forth that most people don’t want to deal with. That’s what the real estate agent commission really covers.
It’s not about the hour they spent showing you the place. It’s about everything they did to get you to the finish line.
Invest Now: off plan properties for sale in Dubai
In Dubai, real estate agents aren’t just freelancers working off instinct. They’re licensed professionals, regulated by the RERA Real Estate Regulatory Agency.
That means there are clear rules around how real estate agent commission in Dubai is handled, how contracts are written, and how agents are expected to operate.
When you agree on a commission, it should appear clearly in the contract, and it should match what’s been said. If something feels off, you can check the agent’s license or file a complaint.
The system is built to protect both sides. But only if you know it’s there.
Mada Properties believes buying or renting a home shouldn’t feel overwhelming or unclear.
That’s why we take the time to explain everything, including what you’re paying and what you’re getting in return. Whether it’s real estate agent fees, closing costs, or contract details, we make sure there are no surprises.
From the first call to the final signature, they focus on real support, not sales talk. Whether you're new to the market or ready for your next move, Mada helps you make decisions that actually make sense, contact us today.
Commission is part of the process. It shouldn’t feel like a trick, and it shouldn’t catch you off guard.
If you understand how real estate agent commission in Dubai works and ask the right questions early, you’ll know exactly what you’re paying and why.
Whether it’s a percentage or flat real estate agent fees, the only thing that matters in the end is whether the help was worth it.
07 Sep, 2025
The idea of living in Dubai long-term has always appealed to people. But until recently, it felt like something you had to renew, reapply for, or re-explain every few years.
The Dubai Golden Visa through property investment changed that. It gave people a way to stay, not just visit. If you own a qualifying property, you could be eligible for a 10-year renewable visa.
No sponsor. No job requirement. Just a stable investment and a place to call home. It’s not for everyone. But if you’re serious about putting down roots or just want more freedom to come and go, it’s one of the cleanest paths forward to golden visa real estate residency.
The Golden Visa is Dubai’s way of saying, if you're investing here, you're welcome to stay.
It's a long-term residency, five or ten years, depending on how you qualify, that gives you the freedom to live, work, and come and go without the usual sponsor requirements. You can renew it. You can include your family. And you don’t have to be in the country all year to keep it.
For a lot of people, it’s the difference between feeling like a visitor and feeling like a resident. That’s why the golden visa for property owners has become such a popular route and why more golden visa real estate investors are choosing it as a way to commit long-term.
It’s not just a stamp in your passport; it’s a kind of agreement, on both sides.
To qualify for the Dubai Golden Visa through property investment, you need to own property in Dubai worth at least AED 2 million.
It can be a single unit or a group of properties long as the total value hits that number. Off-plan works too, as long as you’ve paid enough of it upfront. Even mortgages are allowed, as long as the bank gives you a no-objection letter.
There are no income requirements, no employment checks. Just the property. That’s what makes the golden visa on property so direct, you’re not proving your potential, just your ownership. For golden visa real estate investors, it’s one of the simplest paths with the fewest conditions.
There’s no ceremony to it. Once you own the property, you take your documents and start the process.
The title deed, a copy of your passport, maybe a letter from the bank saying they’re fine with it, that’s the part people sometimes forget. After that, you apply. You’ll go through a medical test, give your fingerprints, and wait for the residency stamp. Some people do it through the Dubai Land Department, others use a typing center, or apply online. It doesn’t really matter.
If everything’s in place, it moves quickly. If something’s missing, it doesn’t. That’s what makes the golden visa property investment process so approachable; it’s paperwork, not bureaucracy.
People focus on the AED 2 million. And yes, it’s a lot.
But most of the people who go this route aren’t doing it just for the visa. They’re doing it because they already wanted to buy property here. The visa is just what makes it feel like a long-term move instead of a short-term risk. It makes staying feel easier. It takes the pressure off.
And once it’s done, it changes how you see the place. You stop thinking like a visitor and start thinking like someone who made a golden visa real estate commitment. For many, Dubai Golden Visa through property investment isn’t the reason they buy; it’s the reason they stay.
Not every property in Dubai is just an address — some are built with the Golden Visa in mind. Developments like:
A community designed around open green spaces and modern townhomes. Greenway 2 gives buyers an affordable entry into Emaar’s lifestyle while also qualifying for the Golden Visa, making it a smart step for long-term living.
Set between the Marina and Palm Jumeirah, this waterfront address combines views, prestige, and eligibility for the Golden Visa. For investors, it’s as much about owning a landmark as it is about securing residency.
Overlooking the iconic Ain Dubai, Bluewaters Bay balances resort living with city convenience. Buying here doesn’t just give you a lifestyle on the water — it also places you within reach of the Golden Visa’s long-term benefits.
It’s usually the people who were going to buy anyway. Not for the visa, just for themselves. Maybe they’ve lived here for years. Maybe they’re ready to stop renting.
The visa just makes it easier to stay without having to explain yourself every two years. Some do it for their kids. Some just want to know they can come and go without thinking about expiry dates.
It’s not about the passport. It’s about feeling settled, and that’s why the golden visa for property owners has become such a quiet favorite. It turns a home into something more permanent.
Mada Properties helps people make sense of the real estate world without the noise.
Whether you’re buying for a visa or just looking for the right place to land, we keep things simple, clear, and grounded.
From finding the right home to navigating the Dubai Golden Visa through property investment, our team gives you the support you need to make a decision you’ll feel good about. No hype. Just real help.
The visa is the headline, but it’s not the whole story.
What you’re really getting is the freedom to stay and the space to plan without rushing. For some, that’s worth more than the property itself.
And for those who qualify through the Dubai Golden Visa through property investment, that freedom feels a little more real. A little more permanent.