Mortgage for Non-Resident in Abu Dhabi

Considering investing in Abu Dhabi property as a non-resident? With its sunny weather, strong property market, and accessibility, it’s a popular choice for investors. At Sire Finance, we provide crucial information on securing a home loan or mortgage for non-residents looking to purchase property in Abu Dhabi.

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We specialize in remote mortgage services for non-residents in Abu Dhabi, handling everything from application to final offer letter. Let us navigate the complexities while you focus on your daily life.

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How Does Non-Resident Mortgage Work in Abu Dhabi

Navigating mortgages can be overwhelming, but with Sire Finance, it’s easy in three simple steps. Our streamlined process helps you secure the perfect mortgage quickly and efficiently. Here’s how it works:

1. Consultation and Eligibility Check

We will conduct a comprehensive analysis of the products currently on the market to identify the best options that fit your specific requirements. This may involve considering our exclusive deals to ensure you receive the most value for your money. Rest assured, your initial consultation is free of charge.

2. Coordinating your Application

Your assigned case manager will expertly manage all aspects of your application process, providing you with the assurance and tranquility you deserve. Utilize the user-friendly Sire Finance portal to monitor the status of your application, ensuring that you are always up-to-date and empowered. Easily upload any required documentation to your secure file whenever it suits you, allowing us to efficiently obtain your mortgage pre-approval and handle all necessary bank paperwork on your behalf.

3. Securing Mortgage and Ongoing Support

When you work with a Sire Finance Case Manager, you can rest assured that securing a mortgage will be a stress-free process. Our experienced team will handle all communication with the bank and manage all necessary tasks, allowing you to focus on other important matters. Whether coordinating the property transfer or offering post-settlement guidance, we are dedicated to ensuring a smooth and seamless home financing experience for our clients.

Eligibility Criteria For Non-Resident Mortgage In Abu Dhabi

Although non-residents may face additional complexities when applying for a mortgage, with proper preparation, it is certainly achievable. Here are the essential eligibility requirements to keep in mind: 

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Citizenship:

  • Banks in the UAE have specific lists of countries whose citizens can apply for a non-resident real estate mortgage. The eligible country criteria may vary between banks.

Age Requirement:

  • Between the ages of 21 and 65
  • However, exceptions can be made for individuals who can prove they have the means to repay the loan, even if they fall outside of this age range.

Minimum Income:

  • Minimum income considered by many banks starts at AED 25,000 (or AED 3,000,000 annual turnover for self-employed)
  • Maximum 50% of income dedicated to repayment

Employment:

  • Salaried employees – at least 6 months in their current job; some banks only offer loans to employees from well-established institutions or government departments.
  • Self-employed – running their business for at least 2 years

Downpayment:

  • Expect to pay at least 25% to 40% of the property’s value upfront

Credit History:

  • Good credit history is vital

Property Type and Location:

  • Some lenders may have restrictions on the types of properties or specific locations they are willing to finance for non-residents.

Our Partner Banks for Non-Resident Mortgages in Abu Dhabi

Partnering with leading financial institutions in the UAE, we are dedicated to finding our clients’ most competitive mortgage options.

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Required Documents for Non-Resident Home Loans in Abu Dhabi

Documentation requirements vary based on the bank, client profile, and country of origin. Generally, you should provide the minimum essential documents for the application process. Such as:

Salaried Individuals:

  • Valid Passport with residence visa copy
  • Salary Certificate
    3-month bank statement
  • Liability Letter (if applicable)
  • Property ownership documents

 

Self-Employed (individuals):

  • Valid Passport with residence visa copy
  • Company ownership documents
  • 3-month bank statement
  • Liability Letter (if applicable)
  • Property ownership documents

 

Note: Further documents might be needed during the application process.

Two or three-bedroom apartments are tailored to meet the needs of families or individuals who desire more room to spread out and enjoy a comfortable, family-oriented lifestyle.

Make Abu Dhabi Your Home

Navigating the mortgage process in Abu Dhabi as a non-resident can be tricky, but our advisors are here to make it smooth sailing. Schedule your consultation today, and let’s get started on securing your dream home!

Discover Your Mortgage Options Today and Own Property in Abu Dhabi!

Why Choose Sire Finance’s Mortgage for Non-Resident Solution in Abu Dhabi?

We are a leading mortgage consulting firm in Abu Dhabi, offering personalized advice to suit your needs. Unlike individual banks, we provide a wide range of transparent and straightforward financial services, ensuring maximum loan-to-value for our clients.

Tailored Solutions

At Sire Finance, we recognize the importance of understanding each client's financial needs. Through our personalized approach, we strive to customize our services to suit your unique requirements, guaranteeing a tailored solution that fits your circumstances perfectly.

Competitive Rates

We have access to a vast network of lenders offering various mortgage options at the most competitive rates. This ensures that you can easily find interest rates that align with your budget and are highly competitive in the market.

Expertise in Non-Resident Mortgages

For expert mortgage guidance and unparalleled service, choose Sire Finance. Our trusted mortgage brokers provide innovative solutions and in-depth real estate and lending knowledge, helping you secure the best mortgage rates possible.