Golden Visa-Linked Mortgage
Our Golden Visa-linked mortgage solutions help you structure a UAE property purchase to meet the AED 2 million minimum property value threshold required for the UAE's 10-year renewable Golden Visa, while arranging competitive mortgage financing alongside your residency application. The AED 2M threshold applies to the property's value, not the equity you hold in it — meaning eligible applicants can combine mortgage financing with Golden Visa eligibility rather than paying the full amount in cash.
What We Offer
Our golden visa-linked mortgage solutions come with a range of features designed to meet your specific needs.
Financing structured around the AED 2M+ Golden Visa property value threshold
Up to 80% LTV financing available alongside your visa application
Coordination between mortgage timeline and visa application process
Applicable to ready and select off-plan properties meeting the value threshold
Guidance on which banks and property types support Golden Visa-linked finance
Support liaising with legal/immigration advisors for the visa application itself
Key Benefits
Why choose our golden visa-linked mortgage solution and how it can benefit you.
Access the UAE's 10-year renewable residency visa via qualifying property investment
Finance the purchase rather than tying up the full AED 2M+ in cash
Long-term residency stability for you and eligible family members
Combine investment in UAE real estate with a path to long-term residency
Expert guidance on structuring the purchase to meet visa eligibility rules
Eligibility Criteria
To qualify for our golden visa-linked mortgage solution, you'll typically need to meet the following requirements.
Property value of AED 2 million or above (value threshold, not required equity)
Property must meet the criteria set by UAE immigration authorities for Golden Visa eligibility
Standard mortgage eligibility criteria apply for the financed portion (income, DBR, documentation)
Down payment and LTV determined by CBUAE mortgage regulations (up to 80% LTV in eligible cases)
The Process
Here's what to expect when applying for our golden visa-linked mortgage solution.
Free consultation to confirm Golden Visa property value eligibility
Bank-panel comparison for financing structured around the AED 2M+ threshold
Documentation collection for both the mortgage and visa application
Mortgage pre-approval issued
Property valuation and final mortgage approval
Purchase completion and coordination with your Golden Visa application
Disbursement and handover
Frequently Asked Questions
Does the AED 2 million Golden Visa threshold apply to the property value or my equity?
It applies to the property's value, not the equity you hold in it. This means you can finance part of the purchase with a mortgage and still qualify, provided the property itself is valued at AED 2 million or above and meets the other Golden Visa eligibility criteria set by UAE immigration authorities.
What LTV can I get on a Golden Visa-linked mortgage?
Financing follows the same Central Bank of the UAE loan-to-value rules as any other residential mortgage — up to 80% LTV for eligible expat buyers on qualifying properties, subject to income, debt-burden-ratio and bank approval.
How long is the UAE Golden Visa valid for?
The Golden Visa obtained through qualifying property investment is a renewable 10-year UAE residency visa. Renewal is subject to continuing to meet the eligibility criteria at the time of renewal.
Do you handle the visa application itself?
We arrange and structure the mortgage financing around the Golden Visa property value threshold and coordinate timelines with your legal/immigration advisor, who handles the formal visa application and approval process.
Need Expert Guidance?
Our professional mortgage services can help you choose and secure the right financing solution.
Ready to Move Forward?
Our mortgage experts are ready to help you secure the best golden visa-linked mortgage solution for your needs. Contact us today for a personalized consultation.