Thinking of getting a mortgage in Dubai? Whether you're a UAE resident, a business owner, or living overseas, this episode is a must-watch.In this episode of The Steven Leckie Podcast, I sit down with Vinay Bhatia, a mortgage expert with over 12 years of experience in the Dubai property market.
We break down everything you need to know about getting a mortgage as a resident, non-resident, or golden visa holder, including income eligibility, company structures, rental income rules, and much more.
(00:00) - Intro: Why this episode matters for investors
(00:50) - Meet Vinay Bhatia
(02:18) - Can non-residents get a mortgage in Dubai?
(05:32) - What income do banks accept for non-residents?
(06:55) - Golden visa holders and mortgages
(08:51) - Mortgages through UAE company structures
(14:06) - Why you should use a mortgage broker
(19:39) - When should you start the mortgage application process?
(21:06) - The step by step process of applying for a mortgage
(22:11) - How off plan mortgages work
(26:52) - Leveraging equity from your property
(28:37) - Loan to Value Criteria
(30:04) - Shariah compliant mortgages
(31:27) - Types of mortgages available for residents and non-residents
(32:54 ) - Which nationalities are eligible for a mortgage?
(34:09) - Land financing
(34:56) - Interest rates on mortgages
(35:31) - Company owners and mortgages
(38:38) - Why a real estate agent needs a mortgage broker
(39:42) - How mortgage brokers help overseas buyers
📩 Want to connect with Vinay directly?
👉 vinay@benchmarkbrokers.ae
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