Eligibility
Which documents do I need to get a mortgage?
A UAE mortgage application generally requires a valid passport and Emirates ID, UAE residence visa, salary certificate, 6 months of bank statements, and an AECB credit report. Self-employed applicants also need a trade licence and audited financials. Having a complete file speeds up pre-approval to typically 3-5 working days.
Documents required for all applicants
- Valid passport and UAE residence visa copy
- Emirates ID (front and back)
- Completed mortgage application form
- AECB credit report or consent to pull one
- Proof of the property (sale agreement / reservation form / off-plan booking form)
Checklist for salaried applicants
- 1Salary certificate from your employer, dated within 1-3 months
- 2Last 6 months of bank statements showing salary credit
- 3Recent payslips, where applicable
- 4Employment contract, if requested by the bank
- 5No-objection certificate (NOC), required by some banks
Checklist for self-employed applicants
- 1Valid UAE trade licence, generally 1-2 years old
- 2Audited financial statements or management accounts for the last 1-2 years
- 36-12 months of personal and business bank statements
- 4Memorandum of Association (MOA), where relevant
- 5VAT returns, if the business is VAT-registered, to cross-check declared turnover
| Requirement | Salaried | Self-employed |
|---|---|---|
| Income proof | Salary certificate + payslips | Audited financials + bank statements |
| Employment proof | Employment contract | Trade licence + MOA |
| Statement history | 6 months | 6-12 months (personal + business) |
| Typical pre-approval time | 3-5 working days | Often slightly longer due to extra verification |
Why a complete file matters
Pre-approval generally takes 3-5 working days with a complete file, and is typically valid for 60-90 days. Missing documents are the most common cause of delay, so gather everything up front. This is especially important if you're comparing across the 18+ banks in the UAE market, since a single organised document set can be reused for multiple applications.
See our full requirements guide for a downloadable checklist and minimum salary rules to confirm you meet the income threshold before you apply.
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Last reviewed 22 July 2026