Do I need a credit bureau report to get a mortgage?

Yes, before approving a mortgage, all banks in the UAE will conduct a credit check on the applicant. The credit check is carried out by Al Etihad Credit Bureau, which is the sole credit bureau in the UAE that maintains credit reports on individuals and companies. To obtain your own credit report, you can download the Al Etihad Credit Bureau app and pay a small fee. It is recommended to review your credit report before applying for a mortgage to ensure that there are no errors or issues that could affect your eligibility.