Non-UAE residents can get mortgage from lenders operating in the UAE; however, there are some restrictions. The UAE Mortgage Cap law requires non-UAE residents to make a down payment of at least 25% of the property value (20% for UAE nationals) plus associated purchase costs. This goes up to 35% (30% for UAE nationals) plus costs for properties above AED 5 million. And if you are buying a second or third property, as an investment for example, you will need at least 40% of the property value to cover your down payment.
Down payment requirements for non-UAE nationals (expats and nonresidents)
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