Banks for tax non-residents living in the UAE & Dubai
The hurdle is not the amount of income but proving its origin — income earned largely tax-free in Dubai needs to be documented differently for a German bank.
In short
Which banks finance a mortgage in Germany from the UAE & Dubai?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. The hurdle is not the amount of income but proving its origin, since income earned largely tax-free in Dubai has to be documented differently for a German bank.
In which currency is my income assessed?
Income is typically paid in AED. Some lenders do not accept foreign-currency income — others do.
Which banks finance tax non-residents living in the UAE & Dubai?
The hurdle is not the amount of income but proving its origin — income earned largely tax-free in Dubai needs to be documented differently for a German bank. Of the 650+ banks in reach, tax non-residents generally have a circle of 6–10 institutions — for the UAE & Dubai the point above additionally decides which of them apply. This is not legal or tax advice.
What matters for residence in the UAE & Dubai
Income is typically paid in AED — details on the full constellation (loan-to-value, documents, currency discount) are on Residence UAE & Dubai — all topics.
Frequently asked questions
Which banks finance tax non-residents living in the UAE & Dubai?
What currency is my income paid in?
By country and topic
All banks for tax non-residents
Partner network, institution types, reach vs. brokerage.
All banks for tax non-residents →Residence UAE & Dubai — all topics
Loan-to-value, documents, conditions for the UAE & Dubai.
Residence UAE & Dubai — all topics →Run the numbers and check funding
Calculate your budget
How much property is realistically financeable with your equity and income?
Calculate your budget →KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
KfW funding →State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
State funding by federal state →Discuss your case
Non-binding initial consultation free of charge — the bank pays our fee.