UAE residents
Buy with confidence as a UAE resident.
Whether you’re salaried or self-employed, buying your first home or an investment, a clear picture of limits, costs and documents makes every step easier.
Salaried or self-employed
Salaried or self-employed?
Salaried
Lenders look at your salary, employer and length of service. A salary certificate and payslips are usually central to the application.
Self-employed
Lenders look at your business’s trading history and financials. Expect to provide a trade licence, company bank statements and often audited accounts.
First home or investment?
First home
Financing up to 80% of the value on homes of AED 5 million or less (70% above that).
Investment or additional property
Financing up to 60% of the value. Lenders also look closely at rental assumptions and your wider commitments.
Income and debt considerations
- Most borrowers’ total monthly debt repayments are capped at 50% of income (debt burden ratio).
- Lenders test affordability at higher rates than the current one, so leave headroom.
- Credit-card limits count towards your commitments even if the balance is paid off.
- The total loan is also limited to a multiple of annual income (seven times for expatriates).
Financing limits
How much can be financed?
| Property value | Expatriate (UAE resident) | UAE national |
|---|---|---|
| AED 5 million or less (first home) | Up to 80% | Up to 85% |
| Above AED 5 million (first home) | Up to 70% | Up to 75% |
| Additional or investment property | Up to 60% | Up to 65% |
| Off-plan property | Up to 50% | Up to 50% |
Maximum financing as a share of property value under Central Bank limits (checked September 2026). Lenders may set lower limits. Non-residents: set by each lender.
Your document checklist
Exact requirements vary by lender.
Salaried
- Passport, residence visa and Emirates ID
- Salary certificate
- Recent payslips
- Bank statements (commonly 3–6 months)
- Existing loan statements, if any
Self-employed
- Passport, residence visa and Emirates ID
- Trade licence and memorandum of association
- Personal and company bank statements (often 6–12 months)
- Audited financial statements, where available
- Existing loan statements, if any
Solutions residents use most
Home Purchase Financing
Secure the right mortgage to buy residential property in the UAE.
ExploreFinal Payment / Handover
Structured support for the last payment to your developer.
ExploreRefinancing & Buyout
Move away from terms that no longer suit you.
ExploreIslamic Home Finance
Sharia-compliant options that fit your goals and values.
Explore
Mortgage calculator
Your resident estimate
An immediate estimate with no contact details required. Adjust the numbers, then talk it through with an advisor.
Some lenders require a minimum time with your employer. We’ll check which lenders fit your situation.
Not necessarily, but documentation is more detailed and criteria vary by lender.
It depends on your income, commitments, the property value and the lender. The calculator gives a quick starting point.
Let’s make your next property decision clearer.
Tell us what you’re planning. An advisor will help you understand the next step.