Case Study
Sound clinic, foreign paperwork.
A doctor from Europe, buying in the UAE from abroad, whose clinic did not have several of the company documents UAE banks usually expect.
Mortgage ApprovedAED 5 million
Filed Under
The Situation
A doctor from Europe, living outside the UAE, wanted to finance a property purchase here. His professional and financial profile was strong.
His clinic, though, was set up under the rules his home country applies to medical practices, so it did not have several of the company documents UAE banks usually expect from self-employed applicants.
What Stood in the Way
His clinic was set up under his home country's rules, so it did not have several of the company documents UAE banks expect from self-employed applicants.
How We Structured It
We looked into how medical practices are legally set up in his country and found the local documents that do the same job as standard company records. We then set out his business model, ownership and income in one clear explanation.
The case went to the lender with that evidence attached, so he could be assessed on the strength of his real business and income, not on the absence of familiar UAE-style documents.
The Outcome
The lender accepted the structure and the supporting evidence and approved a mortgage of AED 5 million, and he went ahead with his UAE property purchase.
Before you enquire.
Can I get a UAE mortgage if I live abroad?
Yes, UAE lenders do finance buyers who live outside the country, and each sets its own terms for them. Which lenders fit depends on where you live, how you earn and the property you are buying, so talk to a specialist and we will tell you where your case stands. Talk to a Specialist
My company documents do not look like UAE ones. Is that a problem?
It does not have to be. In this case, local documents that did the same job as UAE company records were accepted with a clear explanation. Whether that works for you depends on your country, how your business is set up and the lender, so tell us what you have. Talk to a Specialist
Which bank approved this case?
We do not name banks on this website. The right lender is different for each case, and a specialist will talk you through the ones that fit yours.
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