Donald Klip
Co-Founder, Global Mortgage Group
Why International Buyers Choose the Middle East
The Middle East’s property markets combine high-yield investment potential, modern infrastructure, and tax-free ownership in world-class cities.
From Dubai’s iconic skyline to Abu Dhabi’s waterfront communities and Israel’s innovation hubs, GMG makes it easy for non-residents and expats to finance property with confidence.
Through our network of regional banks and international lenders.
Key Benefits of the GMG Middle East Mortgage Program
✅ Finance Up to 65–80% of Property Value
Borrow up to 65% in Dubai and up to 80% in other markets, depending on lender and property type.
✅ Refinance Existing Properties
GMG can refinance fully paid UAE properties for 50–60% of appraised value, freeing equity for new investments or liquidity.
✅ Attractive Interest Rates (as of 2025)
Rates start from 6% per year for non-residents, tied to EIBOR (Emirates Interbank Offered Rate), typically fixed for three years before moving to variable.
✅ No Local Income or Residency Required
Qualify using foreign income, offshore assets, or international credit documentation.
✅ Technology-Enabled, Fully Remote Process
Apply, upload, and sign all documents securely online — no travel, embassy visits, or local accounts required.
✅ Fast Completion
Loans typically complete in 30–45 days, including valuation, approval, and property registration.
✅ Flexible Age Requirements
GMG can secure mortgages for clients up to age 70, including for off-plan projects nearing handover.
Where We Lend
Dubai – The Global Hub of Real Estate Investment
Dubai remains one of the world’s most appealing property markets for overseas investors, offering tax-free income, high liquidity, and unmatched rental yields.
Highlights:
- Up to 65% financing for non-residents on ready properties
- Rental income often covers 100% of mortgage payments and service fees
- Entire process completed remotely, including signing and funding
- No income tax, capital gains tax, or VAT on property sales or rent
- Refinancing available for existing homes (50–60% of value)
- Typical processing time: 4–6 weeks
Example Investment Opportunities:
- Ras Al Khaimah – Casino Island (WYNN Resort 2027):
One-bedroom apartments from AED 1.2 million, 60/40 payment plan, strong ROI and limited sea-view supply. - Sobha Siniya Island Developments:
100% tax-free investments with projected 15% ROI, among the highest in the UAE.
Interest-Only Options:
Select investment banks offer 12-month renewable interest-only loans for experienced investors
“Mortgage approvals for non-residents are simple — only passport, national ID, and proof of income required. No tax returns or credit reports.”
— Leonard Lee, Head of International Mortgages, GMG
Abu Dhabi – Stability, Infrastructure, and Sustainable Growth
Abu Dhabi combines long-term investment security with strong lifestyle and rental appeal.
Highlights:
- Financing available for apartments, villas, and waterfront developments
- Fixed-rate and Sharia-compliant mortgage options
- Stable rental yields driven by corporate tenants and expat professionals
- Ideal for buyers seeking family living and long-term appreciation
Israel – Innovation and High-Value Real Estate
Israel’s real-estate market is known for resilience, innovation, and strong demand.
Highlights:
- Financing for Tel Aviv, Jerusalem, and coastal cities
- Loans available in USD or ILS through GMG’s partner banks
- Programs for foreign nationals and diaspora investors
- High-demand market with limited supply and long-term value growth
Who Qualifies
- Foreign nationals and non-residents investing in Middle Eastern property
- Expats living and earning income abroad
- High-net-worth individuals purchasing luxury or off-plan properties
- Investors seeking refinancing or portfolio expansion
The GMG Advantage
- Direct access to UAE and Israeli banks, private lenders, and international mortgage providers
- Exclusive refinancing and interest-only programs
- Partnerships with property management firms for turnkey ownership
- Transparent structure and English-language support
- Experienced underwriting for expat and foreign-income borrowers
Your Path to Property Ownership in the Middle East
- Pre-Qualify Online – Complete a short digital application.
- Receive Pre-Approval – Learn your borrowing power within 24 hours.
- Select Your Property – Choose from Dubai, Abu Dhabi, or Israel’s prime markets.
- Close Remotely – Sign and fund your mortgage without leaving your home country.
Frequently Asked Questions
Q: How much can non-residents borrow in Dubai or Abu Dhabi?
Up to 65% of ready property value for Dubai and 75–80% in other regional markets.
Q: Can GMG refinance existing UAE properties?
Yes — up to 60% of the appraised value of a fully paid property.
Q: Are profits and rental income taxed?
No. Dubai and Abu Dhabi are tax-free on property sales and income.
Q: Can I apply without visiting the UAE or Israel?
Yes — the entire process is 100% digital and can be completed remotely.
Q: What are current interest rates?
Around 6% per annum, fixed for 3 years, then variable based on EIBOR.
Q: How long does approval take?
Typically 4–6 weeks, depending on lender and property type.
Invest in the Middle East with GMG
From Dubai’s luxury towers and Abu Dhabi’s coastal communities to Israel’s innovation-driven housing markets, GMG provides the expertise, access, and global support to make Middle East property ownership simple and profitable for international buyers.
