Many residents in the UAE dream of owning a home — but not everyone is sure if they’re eligible for a mortgage.
Whether you're an expat, a first-time buyer, or an investor, understanding mortgage eligibility rules is crucial before applying.
Here’s everything you need to know about who can get a mortgage in the UAE in 2025 and what banks are looking for:
1. Minimum Age and Residency
- You must be at least 21 years old
- You must have valid UAE residency (visit visa holders are not eligible)
Some banks may also have a maximum age limit at the time of loan maturity (e.g., 65 for salaried, 70 for self-employed).
2. Employment Status
You can apply if you are:
- Salaried: Working with a stable employer (minimum 6 months experience, or 1 year total)
- Self-employed: Owning a business in the UAE for 2+ years with audited financials
Lenders will verify your monthly income, employer reputation, and job stability.
3. Minimum Income Requirement
Most banks require:
- AED 10,000–15,000/month minimum for salaried applicants
- Higher thresholds for self-employed individuals (varies by bank and industry)
Some lenders also consider spousal or rental income as part of your eligibility.
4. Documents Required
You’ll typically need:
- Passport and Emirates ID
- Salary certificate or trade license
- Bank statements (6 months)
- Proof of property (MOU or Title Deed)
A mortgage broker can help you gather and organize everything correctly.
Final Thoughts
Getting a mortgage in the UAE is very possible — even as an expat — as long as you meet the basic eligibility criteria.
Want to check if you’re eligible before applying?
Contact Equifirst Capital Financing for a free eligibility check and expert advice from our mortgage consultants.