Licensed mortgage advisory · Licence No. 1660136
Licensed mortgage advisory · Licence No. 1660136
Mortgage services · Pre-approval
Mortgage Pre-Approval in Dubai
A mortgage pre-approval shows what a bank is willing to lend before you choose a property, so you can make offers with a clear budget.
Pre-approval
01
What pre-approval tells you
A pre-approval shows the amount a bank is prepared to lend before you choose a property. It lets you set a realistic budget, make offers with confidence and negotiate from a stronger position.
02
Documents you need
Banks need the same core documents they would need for a full application.
- Passport, Emirates ID and residence visa
- Salary certificate and recent payslips
- Recent bank statements
- Details of any existing loans and credit cards
03
How long pre-approval lasts
The validity period is set by each bank and product. We confirm the expiry date in writing before you start viewing properties, so you know how long your budget holds.
04
Pre-approval versus final offer
A pre-approval is subject to the property valuation, your documents and the bank’s final approval. It tells you what to expect, not what is certain.
The final offer follows once you have chosen a property and the bank has valued it.
FAQ
Pre-approval questions, answered
No. A pre-approval is subject to the property valuation, your documents and the bank’s final approval. It tells you what to expect, not what is certain.
Often a few days once your documents are complete. The timing depends on the bank and how complete your file is.
Validity is set by each bank and product, so we confirm the expiry date in writing before you start viewing properties.
Banks check your report with the Al Etihad Credit Bureau and the enquiry is recorded. We limit applications to the banks most likely to approve you.
Developers don’t require it, but it shows whether the bank funding you expect at handover is realistic. Off-plan loans are capped at 50% of the value.
Keep exploring
Related services and areas
Information on this page is general guidance, not legal or financial advice. Rules, fees and bank criteria change, and every mortgage is subject to bank approval and your eligibility. Last reviewed October 2026.
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