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.
Mortgage solutionsA call in your time zone to understand your goals and budget.
Share your documents securely. No need to post originals.
We work with lenders that accept your country and coordinate the valuation locally.
Attend in person or complete through a power of attorney.
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.
Lenders with real appetite for overseas buyers.
Freehold areas, ownership rules and power of attorney explained.
Offers compared across banks, not taken from the first one.
Calls and updates arranged around your time zone.
Non-residents usually put down at least 40%. Adjust the price and terms to see your monthly repayment in dirhams.
Criteria vary between lenders. We check your profile against each bank before you apply.
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.
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.
Not necessarily. Most of the application can be completed remotely, and the transfer can be completed through a power of attorney.
Yes. Freehold property can be let on a long-term lease or, with the relevant permit, as a holiday home.
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.
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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