List of Documents

Most lenders require a valid Emirates ID, passport copy, visa copy (for expatriates), proof of income, recent bank statements, and property-related documents. Additional requirements may vary depending on the lender and applicant profile.

Yes. Salaried applicants typically provide salary certificates and payslips, while self-employed applicants may need trade licenses, company financial statements, and business bank statements.

Most lenders request recent bank statements covering the last three to six months, although requirements may vary depending on the lender and applicant’s financial situation.

Many lenders accept scanned or digital copies during the initial application process. However, original documents may be required for verification before final approval.

Expatriates generally need a passport copy, valid residence visa, Emirates ID, proof of income, bank statements, and documents related to the property being financed.

Self-employed applicants may be required to provide a valid trade license, company registration documents, audited financial statements, and business bank statements.

No. Mortgage pre-approval is primarily based on your financial profile and income. Property documents are usually required later in the mortgage approval process once a property has been selected.

Missing documents can delay the approval process. A mortgage advisor can help identify and collect the required paperwork to ensure a smoother application experience.

Financial documents such as bank statements and salary certificates generally need to be recent, typically issued within the last 30 to 90 days, depending on lender requirements.

Yes. A mortgage advisor can review your paperwork, ensure all required documents are complete, and assist with submission to improve the chances of a faster approval process.