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● Self-Employed Mortgages

Mortgages for the self-employed and business owners.

Self-employed buyers and business owners can get a UAE mortgage, but banks assess business income differently from a salary and ask for more documents. Lenders usually want to see an established business, company and personal bank statements, and a trade licence. We prepare your file so it matches what each bank looks for.

The Central Bank limits are the same as for salaried buyers, but lenders vary widely in how they calculate self-employed income. Choosing the right bank often matters more than the rate.

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● Who it's for

Is this right for you?

  • Business owners and partners with a UAE trade licence
  • Freelancers and consultants with regular, verifiable income
  • Self-employed non-residents with overseas businesses
● How it works

From first call to keys

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

Getting your income seen properly.

  • Right lender first. Some banks use company turnover, others use what's credited to your personal account. We pick the approach that reflects your real income.
  • File preparation. We review your statements and documents before submission, so the bank sees a complete, consistent picture.
  • Rental and other income. We help include rental income and other regular income where lenders accept it.
  • Clear expectations. We tell you upfront what the bank will need and how long it usually takes.
● Documents

What you'll usually need

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

Property documents

  • Memorandum of understanding (Form F) or sale agreement
  • Title deed or Oqood (for off-plan) of the property
  • Valuation report (arranged by the lender)

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%
Maximum LTV, expatriates, first home, value below AED 5 million
80%
Maximum LTV, UAE nationals, first home, value AED 5 million or less
85%
Maximum mortgage term
25 years

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.

Can I get a mortgage if I'm self-employed in the UAE?
Yes. Banks will want to see that your business is established and your income is regular and verifiable. Requirements vary, so we match you to lenders whose criteria fit your business.
How long do I need to have been in business?
It depends on the lender. Many prefer a trading history of a year or more, but policies differ. Tell us about your business and we'll confirm the options.
Which bank statements do I need?
Usually both personal and company statements, often covering 6 to 12 months. Some lenders also ask for audited financial statements.
Will the bank count all my business income?
Banks assess business income in different ways. Central Bank rules also require non-standard or temporary income, such as bonuses, to be discounted or excluded. We'll explain how each lender would treat yours.
● Free calculator Eligibility & DBR See how much you could borrow based on your income and existing loans. Open calculator →
● Read next
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Mon–Fri 9:00 am – 6:00 pm, Sat 10:00 am – 4:00 pm (Gulf Standard Time). Closed Sundays and UAE public holidays.

+971 4 320 4500

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