● Mortgage Pre-Approval

Get pre-approved before you make an offer.

Mortgage pre-approval is a bank's conditional confirmation of how much it is willing to lend you, based on your income and commitments. It tells you your real budget, shows sellers and agents that you're a serious buyer, and speeds up the final approval once you've found a property.

Pre-approval isn't a final offer. The bank still needs to value the property and check its documents. But it removes most of the uncertainty before you commit to a deposit.

● Who it's for

Is this right for you?

Buyers starting a property search
Buyers who want to negotiate with confidence
Off-plan buyers preparing for handover

● How it works

From first call to keys

Free consultationWe look at your income, commitments, property and timeline, and tell you honestly what's realistic.
Compare lendersWe compare options across our UAE lender panel and explain the trade-offs in plain English.
Pre-approvalWe prepare your application, submit it and follow it up with the bank.
Valuation and final offerThe bank values the property and issues the final offer. We check the terms with you before you sign.
Transfer and keysWe coordinate with the bank, seller and trustee office until the transfer completes.

● Why it matters

What pre-approval does for you.

A real budget. You know what a bank will lend before you view properties.
Stronger offers. Sellers and agents take pre-approved buyers more seriously.
Faster completion. Much of the bank's checking is done before you sign a sale agreement.
Fewer surprises. Any issues with income, credit history or documents surface early, while there's time to fix them.

● Documents

What you'll usually need

Salaried applicants

Passport, residence visa and Emirates ID
Salary certificate from your employer
Recent payslips and bank statements showing salary credits (usually 6 months)
Details of existing loans and credit cards

Self-employed and business owners

Passport, residence visa and Emirates ID
Trade licence and company documents (such as the memorandum of association)
Personal and company bank statements (often 6 to 12 months)
Audited financial statements or proof of business income, where the lender asks for them

Lenders may ask for more depending on your profile. We'll give you an exact checklist for your case.

● Key facts

Numbers to know

Maximum debt burden ratio (share of gross income): 50%
Stress test above the current rate used when assessing DBR: 2–4 percentage points
Maximum loan amount, expatriates: 7× annual income
Maximum loan amount, UAE nationals: 8× annual income

Regulatory limits: Central Bank of the UAE, Regulations Regarding Mortgage Loans, checked 7 November 2026. Lenders can apply stricter limits.

● Common questions

Your questions, answered.

How long does pre-approval take?

Often around one to two weeks once the bank has complete documents, though it varies by lender and how busy they are.

How long is a pre-approval valid?

Each bank sets its own validity period. We'll tell you the exact date for your approval and renew it if needed.

Does pre-approval cost anything?

Some banks charge a processing fee. We'll tell you about any fees before you apply.

Can I get pre-approved with more than one bank?

You can, but each application may appear on your credit report. We usually recommend choosing the best fit first.

● Free calculator Eligibility & DBR See how much you could borrow based on your income and existing loans. Open calculator →

● Read next

● Need some help?

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+971 4 320 4500

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