Credit & Eligibility · 5 min read

Your AECB Credit Score and Your Mortgage

By: Keystones Mortgage Consultancy · Last Reviewed: 2026-10-21

Article Summary & Key Themes

Understanding your Al Etihad Credit Bureau score, credit report tiers, and rectifying reporting inaccuracies.

The Al Etihad Credit Bureau (AECB) aggregates financial conduct across all UAE banks, telecom operators, and utility providers. Your AECB score is a direct gatekeeper for mortgage approvals.

Score Bands and Impact

AECB scores range from 300 to 900. Lenders typically look for scores above 680 for prime mortgage approvals. Maintaining zero late payments on credit cards for at least 12 months prior to applying is essential.

Rate Risk Notice: Fixed rates usually last 1–5 years. After that your rate typically follows EIBOR plus the lender's margin, so payments can go up or down.

Recommended Next Actions

Model your personal financial numbers using our browser-only calculators:

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Explore Your UAE Mortgage Options

Run your figures privately with our interactive browser-only calculators or review regulatory eligibility criteria before submitting your application.

1. Check Affordability

Assess maximum borrowing based on the CBUAE 50% DBR cap.

2. Estimate Buying Costs

Calculate DLD transfer, trustee, valuation, and agency fees.

3. See Eligibility

Review residency, salary, tenure, and credit score guidelines.

4. Get Documents Ready

Download or print tailored checklists for your profile.