Consultation
An advisor discusses your profile, property budget, and eligibility. This covers UAE residents and non-residents, salaried and self-employed applicants.
Pre-approval
Mortgage Pre-Approval in Dubai
Know the number before you view.
A mortgage pre-approval in Dubai is a bank letter showing how much you may borrow, usually in 2-5 working days, so you can view and offer with a real budget.
Mortgage pre-approval in Dubai is a written indication from a UAE bank of how much it may lend you, based on income, existing loans, and residency. It is not the final loan. You use it to view and offer. Crelco compares banks and prepares the file. No consultancy fee.
A mortgage pre-approval in Dubai is the first serious step in a purchase. It is a written indication of what a bank is prepared to consider lending, based on your income, liabilities, residency, and the documents you have provided. It is not a guarantee. The property still has to pass valuation, and the bank will review the final file. It is, however, the difference between viewing with a number in mind and viewing on hope.
Going to one bank first only shows you that bank’s appetite. Different UAE lenders treat salary transfer, self-employment, non-resident income, and property type quite differently. Crelco compares suitable lenders, prepares the file once, and stays with you until the letter is in hand, usually within 2–5 working days when the documents are complete.
Crelco is an independent mortgage consultancy in Business Bay, Dubai. We do not charge a consultancy fee. Government, bank, and transfer charges still apply and are explained before you proceed.
How a file can look
Illustrative only. Not an offer and not your number. An advisor replaces this with the file.
Resident, salaried, AED 25,000 a month, no other loans
This is a straightforward pre-approval file. For a first ready home, banks often start from a 20% deposit, then apply DBR to the new instalment. Use the calculator for a first view, then we replace it with the letter.
Same salary, plus a AED 2,000 car loan
Pre-approval is still the right next step. The car loan counts inside DBR, so the mortgage number is usually lower, not closed. We map that before you view.
Rules we refer to: UAE Central Bank, DBR and LTV. Banks still apply their own, often tighter, limits.
- Know the property range that fits your eligibility.
- Understand estimated loan amount before you start viewing.
- Avoid time spent on homes outside a realistic budget.
- Show agents and sellers that you are a serious buyer.
- Prepare documents once, with guidance from an advisor.
- Move faster when you are ready to make an offer.
How it works
The file, in order.
Bank comparison
We review structures across major UAE banks and identify which are likely to fit the file, rather than starting with a single product.
Document submission
We collect what is required, you sign, and the application is submitted without avoidable queries. Incomplete statements are the usual cause of delay.
The letter
You receive a pre-approval you can take to viewings and offers. Agents and sellers in Dubai treat a numbered buyer differently from an untested one.
See what you can borrow.
A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.
Documents
What we typically ask for
- Passport copy and Emirates ID if resident
- Salary certificate or trade licence
- Three to six months of bank statements
- Proof of address
- Property details, if already in mind
Exact lists vary by bank and employment type. We collect only what the file requires.
Also useful
Related at Crelco
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.