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Rynix Ventures
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Non-Resident Mortgage

Mortgages for international investors.

You do not need a UAE visa to own property here. Pay Capital helps buyers from around the world secure finance for UAE property, with most of the process handled remotely.

Pay Capitals Mortgage Solutions Mortgage solutions
in partnership with Pay Capitals
60% Typical financing
40% Minimum down payment
Remote Handled from abroad
Buy from anywhere

From your country to your keys, without relocating

  1. 1

    Video consultation

    A call in your time zone to understand your goals and budget.

  2. 2

    Documents online

    Share your documents securely. No need to post originals.

  3. 3

    Bank approval

    We work with lenders that accept your country and coordinate the valuation locally.

  4. 4

    Transfer

    Attend in person or complete through a power of attorney.

For buyers outside the UAE

Global investors, local expertise

Our mortgage service for non-UAE residents is designed for people from around the world who want to invest in UAE property. We know the challenges non-residents face when securing finance, and which lenders will say yes.

Expatriate, international investor or future resident, you get personal guidance at every step, from exploring mortgage products to handling legal and documentation requirements.

Investing in UAE property is a significant decision. We give you the expertise and support to make it with confidence, and stay with you through the whole process.

Specialised financing solutions

Lenders with real appetite for overseas buyers.

Legal & regulatory guidance

Freehold areas, ownership rules and power of attorney explained.

Competitive rates for expats

Offers compared across banks, not taken from the first one.

Support for non-resident clients

Calls and updates arranged around your time zone.

Investor calculator

Plan your investment from overseas

Non-residents usually put down at least 40%. Adjust the price and terms to see your monthly repayment in dirhams.

Estimated monthly payment AED 0
  • Loan amountAED 0
  • Total interest / profitAED 0
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  • Estimated purchase costs (DLD 4%, registration, bank fees)AED 0
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Before you apply

What overseas buyers need

Who can apply

  • Aged 21 to 25 or over, depending on the lender
  • Nationality and country of residence accepted by the bank
  • A higher minimum income than residents, varying by bank and country
  • A down payment of at least 40% of the property value
  • Property in a freehold area approved by the lender

Criteria vary between lenders. We check your profile against each bank before you apply.

Documents checklist

  1. Passport copy
  2. Proof of overseas address, such as a utility bill
  3. Salary certificate and last 6 payslips
  4. Last 6 months of bank statements
  5. Credit report from your home country
  1. Passport copy
  2. Proof of overseas address
  3. Company registration documents
  4. 2 years of audited financials or tax returns
  5. 6 to 12 months of personal and company bank statements
Questions, answered

Questions from overseas buyers

Can Rynix help non-UAE residents get mortgage approval?

Yes. We work with the UAE banks that lend to non-residents and know the extra requirements foreign nationals face, so your application goes to lenders that accept your country and income.

How much can a non-resident borrow?

Non-residents can typically finance 50 to 60% of the property value, so plan for a 40 to 50% down payment plus around 6 to 7% for transaction costs.

Do I need to travel to the UAE?

Not necessarily. Most of the application can be completed remotely, and the transfer can be completed through a power of attorney.

Can I rent the property out?

Yes. Freehold property can be let on a long-term lease or, with the relevant permit, as a holiday home.

Will owning property give me residency?

Property worth AED 2 million or more can qualify an owner for a 10-year Golden Visa under current rules. We confirm the latest criteria for your purchase.

Free consultation

Talk to a mortgage advisor

Tell us a little about your plans and our team will get back to you.

Prefer to talk now? +971 52 705 1497
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