Getting started · 2 min read
UAE Mortgage Eligibility: Income, Age and Debt Burden Explained
Whether you qualify depends on four things: your income, your debts, your age and the property. Here's how each one works.
By Trevio ·
Debt Burden Ratio (DBR)
The Central Bank limits your total monthly debt payments — mortgage, loans and card commitments — to 50% of your monthly income. It's the single biggest factor in how much you can borrow.
Minimum income
Banks set their own minimum monthly salary. It varies by lender and product, so a profile that's declined at one bank can be approved at another.
Age and loan term
The maximum loan term is 25 years. The borrower's age at the final repayment is capped at 70 for UAE nationals and 65 for non-nationals (70 if self-employed). The older you are, the shorter your term, and the higher your monthly payment.
Loan-to-value (LTV)
- First home under AED 5m — up to 80% for expats, 85% for UAE nationals.
- First home above AED 5m — up to 70% for expats, 75% for nationals.
- Second property — typically up to 60% for expats, 65% for nationals.
- Off-plan — capped at 50%.
Credit history
A clean credit record matters. Missed payments or high card utilisation can reduce your limit or your rate options.
How to improve your chances
- Pay down cards and small loans before applying.
- Keep your credit report clean and your utilisation low.
- Consider a joint application if both incomes qualify.
- Talk to an advisor early — the right bank match matters.
FAQs
Can I get a mortgage on a low salary?
It depends on the bank and the property. Banks assess your debt ratio, not salary alone, so an advisor can find the lenders that fit.
Does age affect my mortgage?
Yes. The cap on age at final repayment shortens your maximum term as you get older.
Are the rules the same for everyone?
Central Bank limits apply to all lenders, but each bank adds its own criteria on top.
Find out where you stand — book a free consultation with Trevio.