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International Mortgages

Finance Beyond
Borders.

Mortgage solutions for residents and non-residents across the UAE, Spain and Italy. Expert advice today. A smarter app experience coming soon.

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MERTOUNAPP
MERTOUN APP • COMING SOON
Our Services

Mortgages for every situation.

Whether you live in the UAE or abroad, buying your first home or growing a portfolio, we find the right financing route.

Mortgages for residents

Purchase and refinance mortgages for UAE nationals and residents, salaried or self-employed, in the UAE, Spain and Italy.

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Mortgages for non-residents

Financing for international buyers purchasing in the UAE, and for UAE residents buying property in Spain and Italy.

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Equity release & buyout

Release the value tied up in a property you own, or move your existing mortgage to a bank offering better terms.

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Commercial finance

Funding for commercial and investment property, including construction and investment mortgages and tailored solutions for high-net-worth clients.

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About Us

Tailor-made mortgage services.

Mertoun Mortgages is an international and digital mortgage platform specialising in cross-border property finance, helping clients secure mortgages in the UAE, Spain and Italy, including for properties outside their country of residence.

As we expand across Europe, we support buyers, investors and expatriates looking to finance residential and investment properties in key international markets.

With access to an extensive network of lenders and specialist expertise in international mortgage structuring, we deliver tailored financing solutions across multiple jurisdictions.

“Our focus is simple: to make complex international property finance more accessible, efficient and strategically aligned with our clients’ goals.”
UAESpainItaly

Office: 1102, 11th Floor, B2B Tower, Business Bay, Dubai, UAE

Our Destinations

One partner. Three property markets.

Find intelligent financing solutions based on where you are buying and where you live.

UAE

UAE mortgages

Home purchase, refinancing, buyouts, equity release and off-plan enquiries. Resident and non-resident pathways.

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SPAIN

Spain mortgages

Resident and non-resident buyers. Eligibility reviews, bank options, documentation and local purchase-cost planning.

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ITALY

Italy mortgages

Resident and non-resident financing. Tailored advice for international buyers, local requirements and lender selection.

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UAE Mortgages

Tailor-made mortgage solutions for UAE residents.

Buy, refinance or release equity, for ready and off-plan property. Overseas buyers welcome too.

For residents

Salaried and self-employed expats and UAE nationals. Purchase, refinance, buyout and equity release options.

For non-residents

Financing pathways for international buyers purchasing in Dubai and across the UAE, subject to bank criteria.

What you will need

Passport and visa/Emirates ID, salary certificate or company documents, bank statements, credit report and property details.

Guide: UAE Central Bank rules allow expat residents up to 80% financing on a first home up to AED 5M (70% above), and up to 60% on second and later properties. Budget around 7–8% extra for purchase costs, including the 4% DLD transfer fee. Actual terms depend on lender assessment.

UAE rates update — October 2026

3.90%UAE Central Bank base rate (raised 0.25% on 17 Sept 2026)
~4.3–4.4%3-month EIBOR (5–8 Oct 2026)
From 3.75%lowest advertised fixed rate; most 2–3-year fixed deals 3.89–4.49%
EIBOR + 1–2%typical variable rate — currently around 5.3% and above

Following the US Federal Reserve, UAE rates moved up in September, so fixed rates are currently cheaper than variable ones. Rates change often — we confirm live pricing with the banks for your profile.

Our UAE partner banks

We compare offers across the UAE’s leading lenders to find the right fit for your profile.

How it works

Understand your total property budget.

The mortgage is only one part of buying property abroad. Plan the deposit, taxes, fees and timing together.

01Initial review

Discuss residency, income, deposit and the property you intend to buy.

02Bank assessment

Prepare documentation and review indicative lender options.

03Valuation & offer

The selected bank reviews the property and issues applicable terms.

04Completion

Coordinate the mortgage and property transaction with local professionals.

Mortgage Calculator

Find your mortgage starting point.

Explore estimated repayments or check your potential borrowing capacity before speaking with our advisers.

€
€· 30%
years

Upfront costs

THE MERTOUN APP

One App.
More Possibilities.

A new digital gateway for mortgage clients, property professionals and international referral partners.

Planned experience: mortgage enquiries • client referrals • progress visibility • specialist support

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MERTOUNAPP
Partner Network

Grow your business with Mertoun.

Refer mortgage clients across the UAE, Spain and Italy. Register your interest in joining the Mertoun App partner network.

For real estate agents,
brokers & partners

  • Introduce buyers seeking financing
  • Refer resident and non-resident clients
  • Explore cross-border opportunities
  • Apply for Mertoun App early access

Partner registration

Common Questions

Everything you need to know.

Clear answers build confidence before a buyer begins their mortgage application.

Can non-residents get a mortgage in Spain?

Yes. Mertoun can arrange up to 70% financing for UAE residents, based on the purchase price or valuation (whichever is lower), with terms up to 25 years. Eligibility depends on lender policies and your circumstances.

Can residents and non-residents finance in Italy?

Yes. UAE residents can typically finance up to 60% of an Italian property over up to 20 years. Residents of Italy can often borrow more. Specific products and criteria are confirmed case by case.

Can non-residents get a mortgage in the UAE?

Yes, several UAE banks lend to overseas buyers, usually with a larger deposit than residents. Buyers on a visit visa generally cannot obtain a UAE mortgage.

What upfront costs should I budget for?

As a guide: around 7–8% in Dubai (including the 4% DLD transfer fee). In Spain, mainly the regional transfer tax of 6–13% plus notary, registry and mortgage costs. In Italy, 9% registration tax on the cadastral value plus notary and mortgage costs. Our calculator shows an itemised estimate.

What does the mortgage calculator include?

Illustrative monthly payments, borrowing capacity and estimated purchase costs; final offers require full underwriting.

How long does the process take?

Around 4–5 weeks in Spain and 7–8 weeks in Italy, from mortgage review to notary completion. In the UAE, a ready-property mortgage typically takes 6–10 weeks.

Is the Mertoun App available now?

Not yet. Clients and partners can register interest in early access.

Contact Mertoun

Let’s finance your next move.

Share a few details and an adviser will contact you with your options.

Mortgage information sheet

Finance Beyond
Borders.

UAE • SPAIN • ITALY

Mortgage advice today.
A smarter digital platform tomorrow.

Prefer to talk? +971 4 578 5099 WhatsApp: +971 50 102 7758 lana@mertounrealestate.comoperations@mertounmortgages.com 1102, 11th Floor, B2B Tower, Business Bay, Dubai, UAE