Self-Employed & Business Owner Mortgages
Business owners and shareholders often face unique documentation hurdles when proving income through corporate accounts, audited financials, and bank turnovers.
Key Regulatory Parameters
Reviewed: 2026-10-21Typically 2 Years
Min Operating Track
70 Years
Max Age at Maturity
What It Is
A mortgage assessment process tailored to evaluate business profitability, corporate bank turnover, and dividend extractions to verify sustainable personal income.
Key Features & Structure
- Lenders offering both audited financial and non-audited turnover-based assessment models.
- Recognition of company net profit distribution for majority shareholders.
- Retirement age considered up to 70 years across most UAE lenders.
Who It Suits
Founders, managing partners, and shareholders of UAE mainland, free zone, or offshore entities with at least 2 years of operating history.
Important Things to Consider & Risks
- Lenders generally require the company to have been registered and trading for a minimum of 24 months.
- Both business and personal bank accounts undergo comprehensive underwriting review.
Typical Documents Required
- Valid Trade Licence, MOA, and Share Certificate
- Last 2 years audited financial statements (where required)
- Last 6 to 12 months company bank statements
- Last 6 months personal bank statements
- AECB company and personal credit reports
Estimate Your Monthly Payments
Use our client-side calculator to model repayment scenarios under CBUAE rules.
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.
Frequently Asked Questions
Yes. Several UAE banks offer alternative programs assessing average monthly credit turnover through business bank statements.