Which banks lend to non-residents and how big a deposit do I need?

Non-residents usually get 50-60% loan-to-value on ready homes, so plan a 40-50% cash deposit; off-plan is capped near 50%. Active lenders include Emirates NBD, HSBC, Mashreq, ADIB and Standard Chartered, with Q1-2026 fixed rates from around 3.99-4.2% before reverting to EIBOR-linked. Budget the 4% DLD fee and roughly 1% bank processing.