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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] 🔔 If you enjoyed this episode, don’t forget to like, comment, and subscribe to the channel. 📲 Follow Steven on social media: Instagram: / steven_leckie TikTok: / stevenleckie 🌍 For business or consulting inquiries, visit: https://www.stevenleckie.com/