UK Buyer’s Guide to Dubai Property 2026: Tax, Process & What You Need to Know

TheUK buy-to-let market has been in decline since 2016. Section 24 mortgageinterest relief restrictions, the 3% additional stamp duty surcharge, increasedcapital gains tax rates, the Renters’ Reform Bill, and selective licensingschemes have collectively squeezed landlord margins to the point where manyportfolios no longer produce positive cash flow. According to HamptonsInternational, over 300,000 UK landlords sold up between 2017 and 2024, and thetrend has only accelerated into 2025-2026.

Dubaihas emerged as the primary alternative for British property investors seekinghigher yields with less regulatory friction. Zero income tax on rentalearnings, no stamp duty equivalent, structured payment plans, and a transparentfreehold ownership system have made the emirate the most popular overseasproperty destination for UK buyers since 2022. Dubai Land Department data showsBritish nationals consistently rank in the top five nationality groups bytransaction volume, with over 4,200 purchases recorded in 2024 alone.

Thisguide is written specifically for UK-based buyers and investors. It coverseverything you need to understand before purchasing Dubai property from the UK:the tax implications under HMRC rules, the step-by-step buying process,financing options, currency considerations, and the practical realities ofremote ownership. Whether you are a former BTL landlord looking for yield, aprofessional building a portfolio, or an expat with one foot in each country,this is your reference document.

Key Takeaways

• UK buyers can purchase Dubaifreehold property remotely with no residency requirement, no UAE visa needed,and no restriction on the number of units owned.
• Dubai charges 0% income taxon rental earnings vs 20-45% in the UK, making net yields significantly higherfor the same gross return.
• No stamp duty equivalentexists in Dubai. The only transaction fee is a one-time 4% DLD registration fee(vs 3-15% SDLT in England).
• UK Capital Gains Tax (18-24%)applies when you sell Dubai property. You must report the disposal to HMRCwithin 60 days of completion.
• UAE mortgages are availableto non-residents at 75% LTV with rates between 4-5.5%. UK mortgages cannot beused for overseas purchases.
• The Golden Visa (10-yearrenewable) is available for property purchases of AED 2 million or above (£430Kat current rates), covering the buyer and immediate family.
• Net rental yields of 6-9% inDubai compare favourably to UK averages of 3-4% before tax, with the gapwidening further after income tax is applied.

Why UK Buyers Choose Dubai Over Buy-to-Let

Thenumbers tell the story more clearly than any sales pitch. Here is a directcomparison of the key financial metrics between UK buy-to-let and Dubaifreehold property investment for a UK tax-resident buyer in 2026.

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Thecombined effect of these differences means a UK investor keeping £200,000 ofcapital in a Manchester BTL property might net 2.5-3% after all taxes andcosts, while the same capital deployed in a Dubai apartment could net 5.5-7%after service charges and management fees. That gap represents £6,000-8,000 peryear in additional income on the same investment.

Can You Buy Dubai Property from the UK?

Yes.There is no requirement to be physically present in Dubai at any stage of thepurchase process, and no residency visa or UAE bank account is needed tocomplete a transaction. Thousands of UK buyers purchase Dubai property entirelyremotely every year.

Thelegal framework explicitly permits foreign nationals to own freehold propertyin designated areas across Dubai. There are over 50 freehold zones, includingall major residential communities such as Dubai Marina, Downtown, Business Bay,JVC, Arjan, and Dubailand Residence Complex. British passport holders face noadditional restrictions beyond those that apply to any foreign buyer.

Power ofAttorney (POA) Option

Forsteps that require physical presence (primarily the final title deed transferat the Dubai Land Department), you can appoint a representative via a notarisedPower of Attorney. The POA can be executed at the UAE Embassy in London orthrough a UK solicitor with an apostille certificate. Many developers andbrokers offer POA facilitation as a standard service for overseas buyers.

What YouNeed to Buy

• Valid passport (minimum 6months validity)
• Proof of address (UK utilitybill or bank statement)
• Proof of funds (bankstatement showing purchase ability)
• Signed Sale and PurchaseAgreement (digital signature accepted by most developers)
• Payment via internationalbank transfer (SWIFT)

Step-by-Step: Buying Dubai Property from the UK

Theentire process from initial interest to ownership can be completed in 2-4 weeksfor off-plan purchases, and 30-60 days for ready properties. Compare this tothe UK average of 3-6 months from offer acceptance to completion, and you beginto see why the process appeals to investors accustomed to the Britishconveyancing system.

Step 1:Research and Shortlist

Identifythe areas, property types, and price points that match your investmentcriteria. Consider whether you want off-plan (lower entry price, payment plans,capital appreciation potential) or ready (immediate rental income, noconstruction risk). Review developer track records, community infrastructure,and proximity to metro lines, schools, and employment hubs. Most UK buyersspend 2-4 weeks on research before engaging with a specific project.

Step 2:Virtual Viewing or Site Visit

Mostdevelopers and brokers offer comprehensive video tours, 3D walkthroughs, andlive video calls where an agent walks through the property or show apartmentwith you on screen. If you prefer to view in person, a 3-4 day trip to Dubai issufficient to visit multiple projects across different areas. Many UK buyersmake their first purchase remotely and visit for subsequent acquisitions.

Step 3:Reservation and Booking

Onceyou have selected a unit, you pay a reservation fee (typically 1-5% of thepurchase price or a flat AED 10,000-50,000). This secures the unit in your nameand takes it off the market. The payment is made via international banktransfer to the developer’s designated account. You will receive a bookingconfirmation within 24-48 hours.

Step 4:Sale and Purchase Agreement (SPA)

Thedeveloper issues the SPA within 7-14 days of booking. This contract specifiesthe unit details, floor plan, price, payment schedule, expected handover date,and termination clauses. Review it carefully or have a UAE property solicitorreview it on your behalf. Digital signatures are accepted by most developers,so you do not need to be in Dubai to sign. Return the signed SPA with yourpassport copy and proof of address.

Step 5:Oqood Registration (Off-Plan) or DLD Transfer (Ready)

Foroff-plan purchases, the developer registers your ownership interest via theOqood system with the Dubai Land Department. This interim certificate protectsyour rights during construction. For ready properties, the ownership transferhappens at the DLD office (your POA representative can attend on your behalf).The 4% DLD fee plus AED 1,010 admin fee is payable at this stage.

Step 6:Payment Plan Execution

Foroff-plan properties, follow the agreed payment schedule. Each installment istypically linked to a construction milestone or calendar date. Payments aremade via international bank transfer to the developer’s RERA escrow account.Set reminders for each payment date and factor in 2-3 business days forinternational transfers to clear. Most developers send payment reminders 14days before each due date.

Step 7:Handover and Key Collection

Atproject completion, the developer issues a handover notice. You (or yourproperty manager or POA holder) inspect the unit, confirm snagging items havebeen addressed, pay any final balance, and collect the keys. Your Oqoodconverts to a permanent title deed. The entire handover process typically takes2-4 weeks from notification to key collection.

Compare:UK conveyancing from offer to completion averages 16-20 weeks, involvessolicitors on both sides, local authority searches, mortgage valuations, chaindependencies, and exchange-to-completion gaps. The Dubai process isdramatically simpler and faster.

UK Tax Implications for Dubai Property Owners

Thisis the section most guides skip or get wrong. Owning Dubai property does notexempt you from UK tax obligations. Here is what HMRC expects:

RentalIncome

Ifyou are UK tax-resident, worldwide rental income must be declared on your SelfAssessment tax return, including rent from Dubai properties. The rental incomeis added to your total income and taxed at your marginal rate (20%, 40%, or45%). However, you can deduct allowable expenses: property management fees,service charges, maintenance costs, and mortgage interest (if you have a UAEmortgage). Since UAE charges 0% income tax on rental earnings, there is nodouble-taxation credit to claim on the income itself. The UK-UAE DoubleTaxation Agreement (DTA) does not eliminate your UK tax liability on rentalincome — it primarily prevents double taxation on the same income, and sinceUAE charges 0%, the full UK rate applies.

CapitalGains Tax (CGT)

Whenyou sell your Dubai property at a profit, UK CGT applies. The current rates forresidential property are 18% (basic rate taxpayers) and 24% (higher andadditional rate taxpayers). Your annual CGT allowance (£3,000 for 2025-26) canbe deducted. Importantly, you must report the disposal to HMRC within 60 daysof completion and pay the estimated CGT within the same period using theCapital Gains Tax on UK property service (which also covers overseas propertydisposals). Late reporting carries penalties starting at £100.

The60-Day Reporting Rule

SinceApril 2020, UK residents must report and pay CGT on property disposals within60 days of completion. This applies to overseas property as well as UKproperty. Many buyers are caught out by this deadline. Set a reminder themoment you agree a sale. Your accountant should prepare the computation inadvance using estimated completion figures.

DoubleTaxation Agreement

TheUK-UAE DTA prevents the same income being taxed twice. Since the UAE charges 0%on both rental income and capital gains, in practice the DTA means your UAEproperty income is taxed only in the UK. If the UAE ever introduced propertytaxes, you would receive a credit against your UK liability. For now, thepractical effect is straightforward: declare everything to HMRC, pay UK rates,and there is no UAE tax to offset.

Do YouNeed a Specialist Accountant?

Yes.Any UK accountant can handle overseas property on a Self Assessment return, buta specialist with Middle East experience will know the specific allowabledeductions, the DTA provisions, and how to structure ownership (personal vscompany) for optimal tax efficiency. Budget £500-1,500 per year for specialisttax advisory on overseas property. This is a deductible expense against yourrental income.

Financing Options for UK Buyers

CashPurchase (Most Common)

Themajority of UK buyers purchasing Dubai property do so with cash, particularlyfor off-plan purchases where structured payment plans effectively function asinterest-free finance. A £200,000 apartment on a 50/50 plan requiresapproximately £100,000 during construction (spread over 18-24 months ininstallments) with the balance at handover. Many UK investors release equityfrom UK properties or use savings accumulated from selling underperforming BTLstock.

UAEMortgage for Non-Residents

UAEbanks offer mortgages to non-resident foreign nationals, including UK citizenswho do not live in Dubai. The typical terms for non-resident buyers:

• Maximum LTV: 75% (you need aminimum 25% deposit)
• Interest rates: 4-5.5%(variable or fixed for 1-5 years)
• Maximum tenure: 25 years
• Minimum property value: AED500,000-1,000,000 (varies by bank)
• Minimum personal income: AED15,000/month or equivalent in GBP (£3,200/month approximately)
• Age limit: Mortgage must berepaid by age 65-70
• Banks commonly used: EmiratesNBD, ADCB, Mashreq, RAK Bank, FAB

Theapplication process takes 2-4 weeks and requires income verification (payslips,tax returns, employer letter), bank statements (6-12 months), passport copy,and a property valuation. Pre-approval can be obtained before selecting aproperty, which speeds up the process.

UKMortgage: Not Applicable

Youcannot use a UK mortgage to purchase property in Dubai. UK lenders only secureagainst UK property. If you want to leverage your UK property equity to fund aDubai purchase, you would need to remortgage your UK property (releasing equityas cash) and then use those funds for the Dubai purchase. This is a legitimatestrategy but adds UK mortgage costs to your calculations.

Currency Considerations: GBP to AED

TheAED is pegged to the US Dollar at a fixed rate of 3.6725, which means GBP/AEDfluctuates with GBP/USD. At the time of writing, £1 buys approximately AED4.70. Over the past five years, this rate has ranged from AED 4.30 to AED 5.10,representing a potential 15-18% variance on your total purchase cost dependingon timing.

FXTransfer Services

Donot use your high-street bank for large international transfers. The margin onGBP/AED conversions at major UK banks is typically 2-4% above the mid-marketrate, which on a £200,000 property could cost you £4,000-8,000 in hidden fees.Instead, use specialist FX services:

• Wise (formerly TransferWise):Transparent fees, mid-market rate plus small percentage. Best for amounts under£100,000.
• OFX: Dedicated dealer forlarge transfers, negotiable rates, forward contracts available. Suitable for£50,000+ transfers.
• CurrencyFair: Peer-to-peerexchange with competitive rates. Good for regular installment payments.
• Moneycorp: Established FXbroker with forward contracts and limit orders. Suitable for hedging paymentplan installments.

TimingYour Payments

Ifyou are on a payment plan with 4-6 installments over 18 months, currencyfluctuations can significantly affect your total GBP cost. A 5% adverse move onGBP/AED between your first and last payment could add £10,000 to a £200,000purchase. Two strategies to manage this:

• Forward contracts: Lock intoday’s rate for future payments. Most FX brokers offer this with a 5-10%deposit. You know your exact GBP cost for each installment in advance.
• Rate alerts: Set target rateswith your FX provider. When GBP strengthens to your target, convert a lump sumand hold in AED ready for future installments.

Neitherstrategy is risk-free. Forward contracts protect you from GBP weakness butprevent you benefiting from GBP strength. The pragmatic approach for mostbuyers is to lock in rates for 50-70% of the total and leave the remainderexposed to potential upside.

Popular Areas for UK Buyers

TheFamiliar Names

DubaiMarina, Downtown Dubai, and Business Bay consistently attract UK buyers whowant recognisable locations with strong rental demand and resale liquidity.These areas offer gross yields of 5-7%, established infrastructure, walkableamenities, and the prestige factor that makes property easy to rent tohigh-income tenants. Entry prices for a one-bedroom apartment start around AED1.2-1.8 million (£255,000-£385,000).

TheValue Opportunity

Increasingly,informed UK buyers are looking beyond the postcard locations to communitiesoffering higher yields and lower entry prices. Two areas stand out:

Arjan:Located between Motor City and MiracleGarden, Arjan offers new-build apartments from AED 600,000-900,000(£128,000-£192,000) with gross yields of 8-10%. The area is 12 minutes fromMall of the Emirates, 15 minutes from Dubai Marina, and benefits from ongoinginfrastructure development including retail, F&B, and community facilities.Bond Enclave (158 units, 50/50 payment plan) is an example of hospitality-graderesidential development in this area.

DubailandResidence Complex (DLRC): One of Dubai’sfastest-growing mid-market communities, DLRC offers one-bedroom apartments fromAED 550,000-800,000 (£117,000-£170,000) with yields of 8-11%. The upcomingDubai Metro Blue Line extension will connect DLRC directly to the metronetwork, which historically drives 15-25% price appreciation in newly connectedcommunities. Bond Living (94 units, 60/40 payment plan) brings boutiquehospitality specifications to this high-growth area.

Theshift from trophy locations to yield-optimised areas mirrors what happened inUK BTL over the past decade, where landlords moved from London to Manchester,Liverpool, and Leeds for better returns. UK buyers understand this logicintuitively.

Common Mistakes UK Buyers Make

1. NotUnderstanding Service Charges

Dubaiservice charges are typically AED 12-25 per square foot per year, which on a750 sqft one-bedroom apartment equals AED 9,000-18,750 annually(£1,900-£4,000). Some buyers focus solely on the purchase price and rentalyield without factoring in service charges, which can reduce net yield by1.5-2.5 percentage points. Always ask for the service charge budget beforecalculating returns.

2.Assuming HMRC Will Not Know

HMRChas automatic information exchange agreements with over 100 jurisdictionsincluding the UAE under the Common Reporting Standard (CRS). UAE banks reportaccount holder information to the UAE competent authority, which shares it withHMRC. Additionally, HMRC has access to Land Registry equivalent data throughinternational cooperation. Do not assume overseas property income can behidden. Declare everything, pay what you owe, and sleep well.

3. NoDIFC Will

Ifyou own Dubai property and die without a registered DIFC will, your assets maybe distributed according to UAE Sharia inheritance law, which applies differentrules than UK intestacy provisions. A DIFC will costs approximately AED7,500-15,000 and ensures your Dubai property passes according to your wishesunder common law principles familiar to UK buyers. This is not optional; it isessential.

4.Paying Inflated UK Finder Fees

SomeUK-based ‘property sourcing agents’ charge 2-5% finder fees on top of theproperty price for ‘sourcing’ Dubai units. In reality, developers paycommission to agents directly, and legitimate brokers earn their fee from thedeveloper, not the buyer. If someone is charging you a fee to find a Dubaiproperty, question what value they are adding beyond what a developer salesteam or RERA-registered broker would provide for free.

5. PoorCurrency Timing

Makinga £200,000 transfer at a rate of AED 4.50/GBP versus AED 4.80/GBP is adifference of AED 60,000 (£12,500). Some buyers transfer their entire purchaseamount in one go without checking whether the rate is favourable relative torecent history. Use a rate alert, consider splitting transfers, or lock in witha forward contract. Small amounts of planning can save thousands.

How Remote Purchase Works in Practice

BuyingDubai property without leaving the UK is not theoretical — it is how themajority of international purchases now happen. Here is the practical workflow:

VideoViewings

Thedeveloper or broker connects with you via WhatsApp video, Zoom, or MicrosoftTeams. They walk through the show apartment (or similar completed unit),pointing out finishes, views, natural light, and layout. For off-plan projectswithout a show apartment, they present 3D renders, virtual tours, andconstruction site progress. Most UK buyers do 2-3 video calls before deciding.

DigitalSPA Signing

TheSale and Purchase Agreement is sent electronically. Most developers acceptdigital signatures (Adobe Sign, DocuSign) or scanned signed copies returned viaemail. You do not need to be physically present to execute the contract. Yourpassport copy and proof of address are submitted alongside.

Power ofAttorney for Transfer

Forthe final title deed transfer at the Dubai Land Department (applicable to readyproperty or off-plan at handover), you can appoint a POA holder. The POAdocument is prepared by a UAE lawyer, signed by you at the UAE Embassy inLondon or before a UK notary with apostille, and registered in Dubai. Cost:approximately £300-500 for the POA document, plus embassy fees.

BankWire Payments

Allpayments are made via SWIFT international bank transfer from your UK bankaccount to the developer’s escrow account or the seller’s account. Your UK bankwill require the purpose of transfer (property purchase) and may ask forsupporting documentation (SPA, booking confirmation). Transfers typically take1-3 business days to arrive. Some UK banks flag large transfers to UAE as asecurity check — inform your bank in advance to avoid delays.

KeyCollection via Property Manager

Athandover, your appointed property manager collects the keys on your behalf,conducts (or supervises) the snagging inspection, and begins the tenant-findingprocess. They handle all local coordination so you do not need to travel. Youreceive keys, title deed documents, and property photos via courier or securedigital delivery.

Golden Visa for UK Property Buyers

TheUAE Golden Visa is a 10-year renewable residency visa available to propertybuyers who invest AED 2 million or more (£430,000 at current rates). It doesnot require you to live in the UAE, does not expire if you leave the countryfor extended periods, and covers your immediate family (spouse and children).

What ItGives You

• 10-year UAE residency visa(renewable)
• No requirement to live in theUAE or maintain minimum days of presence
• Ability to open UAE bankaccounts and obtain a UAE driving licence
• Sponsor spouse and childrenfor residency
• Access to UAE healthcare andeducation systems
• Emirates ID (useful for localservices, telecom, utilities)
• Multiple-entry visa — comeand go as you wish

How ItWorks for UK Buyers

Youcan apply for the Golden Visa at any time after your property purchase isregistered with the Dubai Land Department and valued at AED 2 million or above.The property does not need to be mortgage-free (the total value, not equity,determines eligibility). The application is processed through the GeneralDirectorate of Residency and Foreigners Affairs (GDRFA) or ICP smart services,typically taking 2-4 weeks. You will need to complete a medical fitness testand obtain Emirates ID, which can be done during a short visit or viaauthorised typing centres.

MultipleProperties

Ifno single property reaches the AED 2 million threshold, you can combinemultiple properties to reach the minimum. For example, two apartments valued atAED 1 million each would qualify. This makes the Golden Visa accessible to UKbuyers building a portfolio of mid-market apartments rather than a singlehigh-value unit.

Net Return Comparison: UK BTL vs Dubai

Letus work through a realistic example using £200,000 of capital, comparing aManchester buy-to-let apartment to a Dubai apartment at the same price point.

ScenarioA: £200,000 Manchester BTL Apartment

• Purchase price: £200,000
• SDLT (additional property):£8,000 (4% on full value for additional properties from 2025)
• Gross annual rent: £12,000(6% gross yield — above average for Manchester)
• Deductions: Management fee£1,440 (12%), maintenance £600, insurance £400, void periods £600 = £3,040
• Net rental income before tax:£8,960
• Income tax (40% taxpayer):£3,584
• Net income after tax: £5,376
• Net yield on capital deployed(£208,000 inc. SDLT): 2.6%

ScenarioB: £200,000 Dubai Apartment (AED 940,000)

• Purchase price: AED 940,000(£200,000 at AED 4.70)
• DLD fee (4%): AED 37,600(£8,000)
• Gross annual rent: AED 65,800(£14,000 — 7% gross yield, conservative for Arjan/DLRC)
• Deductions: Service chargeAED 11,250 (£2,400), management 5% AED 3,290 (£700), maintenance AED 2,000(£425) = £3,525
• Net rental income before UKtax: £10,475
• UK income tax (40% taxpayer):£4,190
• Net income after tax: £6,285
• Net yield on capital deployed(£208,000 inc. DLD): 3.0%

TheComparison

Note:This comparison assumes a 40% taxpayer. For basic-rate taxpayers, the UK taxburden is lower but the Dubai advantage still holds. For 45% taxpayers, theDubai advantage is even more pronounced. The 60-day CGT reporting rule appliesequally to both jurisdictions on disposal.

Theadditional factor that does not show in annual yield calculations is capitalappreciation. Dubai’s property market is in a structural growth phase driven bypopulation targets (5.8 million by 2040 vs 3.7 million today), visaliberalisation, and infrastructure investment. UK property appreciation insecondary cities is forecast at 2-4% annually. Over a 5-year hold, thiscompounding difference can be substantial.

Expert Insights

Themost important piece of advice for UK buyers is this: treat Dubai property as aproper investment with professional support, not as a holiday purchase. Thatmeans engaging a UAE-experienced UK tax accountant from day one, using aRERA-registered broker or purchasing direct from the developer, setting upproper currency management for payments, and having a DIFC will in place beforeyou complete.

Thesecond most common mistake is applying UK mental models to the Dubai market. Inthe UK, you worry about void periods, problem tenants, and Section 21abolition. In Dubai, the rental market moves faster (average void periods are2-4 weeks in established areas), tenant disputes are resolved through RERA in30 days rather than 6-12 months through UK courts, and the landlord-tenantbalance is significantly more neutral than the increasingly tenant-favourableUK framework.

Finally,do not over-leverage. Just because a UAE bank will lend you 75% LTV does notmean you should take it. The most successful UK investors in Dubai buy withcash or modest leverage (50% LTV maximum), which gives them flexibility to holdthrough any market corrections and ensures positive cash flow from day one evenin a vacancy scenario.

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Frequently Asked Questions

Do I payUK Capital Gains Tax on Dubai property?

Yes.If you are UK tax-resident, CGT of 18% (basic rate) or 24% (higher rate)applies when you sell Dubai property at a profit. You must report the disposalto HMRC within 60 days of completion and pay estimated CGT within the sameperiod. Your annual CGT allowance (£3,000 for 2025-26) is deductible. There isno CGT in the UAE, so no double-tax credit applies to the gain.

Do Ineed a UAE bank account to buy property in Dubai?

No.You can complete the entire purchase using international bank transfers (SWIFT)from your UK bank account directly to the developer’s escrow account. A UAEbank account is only needed if you plan to collect rent locally or want to takea UAE mortgage. Many buyers open a UAE account after purchase to simplifyrental income collection.

Is therestamp duty on Dubai property?

Thereis no stamp duty in Dubai. The equivalent transaction cost is the Dubai LandDepartment (DLD) registration fee of 4% of the property value plus AED 1,010admin fee. Unlike UK SDLT, there is no surcharge for additional properties, notiered rate structure, and no annual tax on property ownership. The 4% is aone-time fee at purchase.

Can Ibuy Dubai property without visiting?

Yes.The entire purchase can be completed remotely from the UK. Virtual viewings viavideo call replace physical inspections, digital signatures are accepted forthe SPA, payments are made via international bank transfer, and a Power ofAttorney holder can attend the title deed transfer on your behalf. Thousands ofUK buyers purchase remotely each year.

What isthe minimum investment for Dubai property?

Thereis no legal minimum for foreign buyers. In practice, studio apartments inestablished communities start from AED 400,000-500,000 (£85,000-£106,000), andone-bedroom apartments from AED 550,000-900,000 (£117,000-£192,000). For GoldenVisa eligibility, the minimum is AED 2 million (£430,000), which can be spreadacross multiple properties.

Can Iget a Golden Visa from the UK?

Yes.The Golden Visa application is submitted after your property purchase isregistered with the Dubai Land Department. You need at least AED 2 million inproperty value (one or multiple units combined). The visa is processed in 2-4weeks and does not require you to relocate to the UAE. You will need one shortvisit for medical fitness and Emirates ID, after which the 10-year visa isvalid regardless of where you live.

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