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UK Mortgage Advisers & Brokers for Expats in Dubai
UK mortgages for expats living in Dubai
Living and working in Dubai and looking to buy, remortgage or refinance property in the UK? We are specialist UK mortgage advisers and brokers who work with lenders that accept UAE residents and income paid in dirhams.
- Income in dirhams (AED) considered
- Purchases, remortgages and buy-to-let
- Handled remotely in your time zone
Why expats in Dubai use a specialist broker
Many UK high street lenders decline applicants living overseas or offer them only limited products. We search the wider market, including specialist and private banks, to find lenders that accept residents of Dubai.
Tax-free salaries understood
Employment income in the UAE is generally not subject to personal income tax. We present tax-free packages, housing and schooling allowances clearly so lenders assess them properly.
Dirham income accepted
The dirham is pegged to the US dollar, and a number of UK lenders accept AED income, sometimes applying a small adjustment for currency movements.
Employed or business owner
Whether you work for a multinational, a free zone company or run your own business in Dubai, we match you to lenders that suit how you are paid.
What we can help with
Buying a UK home or investment property, remortgaging to a better rate, releasing equity, switching a former home to buy-to-let, or buying through a UK limited company. All arranged remotely while you live in Dubai.
How it works
A straightforward process from first conversation to completion.
Initial consultation
A free call to understand your plans, residency, income and the property.
Market research
We identify suitable lenders and explain the options, costs and trade-offs.
Decision in Principle
We obtain a Decision in Principle (DIP) from the lender, usually within 24 to 48 hours, so you know where you stand.
Application
We prepare and submit your application and manage the lender on your behalf.
Offer to completion
We liaise with solicitors and valuers until your mortgage completes.
UK mortgage questions from expats in Dubai
Answers to the questions we are asked most often.
Can I get a UK mortgage if I live and work in Dubai?
Yes. A number of UK lenders accept applicants resident in the UAE, including British expats and foreign nationals. Criteria vary on minimum income, employment type and deposit, so matching you to the right lender first time matters.
Will UK lenders accept my salary in dirhams?
Many specialist lenders accept AED income. Some apply a small reduction to allow for exchange rate movements, and allowances such as housing may be treated differently from basic salary.
Can I remortgage my UK property from Dubai?
Yes. You can remortgage to a new rate, release equity or switch a former home to buy-to-let while living in Dubai. Your existing lender may restrict overseas residents, so it is worth comparing the wider market.
How much deposit will I need?
For expats and foreign nationals, lenders usually require a deposit of between 25% and 30% of the purchase price, depending on the lender, your residency, income and the type of property.
Speak to a UK expat mortgage adviser
Tell us a little about what you are looking to do and we will be in touch to arrange a free, no-obligation consultation.
Email: john.florey@opesfp.com