Non-residents can get a mortgage in the UAE with a minimum 40% down payment, financing up to 60% of the property value on freehold properties in Dubai — no UAE visa or residency required. A small number of UAE banks lend to overseas buyers, each with different income documentation rules, minimum loan sizes, and country restrictions. ASK Mortgage Advisor, a Dubai-based mortgage advisory working with 20+ UAE banks since 2019, manages the entire process remotely: eligibility check, bank selection, application, and liaison through to property handover. Typical requirements are 6 months of bank statements, proof of income, and a passport copy; pre-approval usually takes 3–7 business days. Budget a further 7–8% of the purchase price for transfer and registration fees. The initial consultation and eligibility assessment are free — most overseas investors complete their purchase without ever visiting Dubai.