Self-employed
Self-Employed Mortgage UAE
The file is the product.
Self-employed applicants in Dubai are fundable. Banks want a clean trading history and statements, not a slogan about entrepreneurship.
A self-employed mortgage in the UAE is assessed on the business as much as the person. Trade licence, company statements, personal statements, and sometimes audited accounts sit on the file. Cash that never appears in the bank rarely counts.
DBR is often tighter than for salaried staff. Many lenders apply a more conservative share of income to debt. That is why an online eligibility figure, which ignores liabilities, can look high until the real file is built.
Off-plan adds another filter: the developer and the stage of the building. A self-employed buyer on a project the bank will not finance is two problems, not one. We check both before you apply.
What underwriters want to see
A valid licence, evidence the business is operating, and statements that match the story you tell. Some banks want two years of trading. Others will consider less. Management accounts help some lenders and mean nothing to others.
If you hold both a job and a licence, we map which income the lender will use. Mixing them without a plan is a common reason for queries.
How Crelco places the file
We do not spray the same pack at five banks. Self-employed applications leave a trail. Crelco compares first, then submits where the appetite matches, so you are not collecting unnecessary enquiries.
Pre-approval is still the right first letter for a purchase. Refinance and equity release follow the same income logic, with the property as extra security.
Documents to gather
Passport, visa, Emirates ID if resident, trade licence, memorandum or establishment documents if asked, six months of company and personal statements, proof of address, and the property or SPA if you have one.
No consultancy fee. Bank and government charges still apply.
- Licence and statements prepared for the banks that actually complete self-employed files.
- DBR treated conservatively. Liabilities can cut the number significantly.
- Off-plan only where the developer is accepted.
- No consultancy fee.
See what you can borrow.
A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.
Questions
Asked, answered.
Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.
Private consultation
Speak with a Crelco mortgage advisor.
Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.