Non-resident
How much deposit do non-residents need in the UAE?
Non-residents typically need a 40-50% deposit, since UAE banks generally cap non-resident lending at 50-60% loan-to-value. On top of the deposit, budget for transfer, registration, valuation and agency fees, which are paid from your own funds and not financed.
Typical loan-to-value for non-residents
Resident borrowers can often access up to 80% loan-to-value on their first property, but non-residents are usually capped at 50-60%. The exact figure depends on the bank, your income profile, and sometimes the property's value band, so it's worth comparing rather than assuming one figure applies everywhere.
Worked example
| Loan-to-value | Mortgage amount | Deposit required |
|---|---|---|
| 60% | AED 1,200,000 | AED 800,000 |
| 50% | AED 1,000,000 | AED 1,000,000 |
On top of the deposit you'll also need funds for the 4% Dubai Land Department transfer fee (AED 80,000 on this example, plus an AED 580 admin fee), a 0.25% mortgage registration fee plus AED 290, a trustee office fee of roughly AED 4,200, a valuation fee of roughly AED 2,500-3,500, and agency commission of around 2% (AED 40,000 here). Use the affordability calculator to see how these add up against your budget.
All-in cash needed at 50% LTV
| Item | Amount (AED) |
|---|---|
| Deposit | 1,000,000 |
| DLD transfer fee + admin | 80,580 |
| Mortgage registration | 5,290 |
| Trustee office fee | 4,200 |
| Valuation fee (indicative) | 3,000 |
| Agency commission (indicative) | 40,000 |
| Approximate total | 1,133,070 |
What can improve your loan-to-value
- A strong, well-documented income history from your home country
- Existing banking relationship with a UAE bank operating in your region
- A completed property in a bank-approved development rather than off-plan
- A larger overall deposit to strengthen your application
Documents that support a stronger deposit case
- Recent payslips or audited accounts showing stable income
- 6-12 months of personal and, if self-employed, business bank statements
- A credit report or reference from your home country
- Proof of funds for the deposit, sourced and seasoned where possible
See the full list in which documents do non-residents need, and compare how deposit levels affect indicative pricing in do non-residents pay higher rates.
Run the numbers on your own case
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Last reviewed 18 June 2026