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?

👉 [email protected]

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