Can I check my UAE mortgage eligibility for free?

Yes. Fulus Mortgage is completely free to use. Enter your details and get an instant eligibility result based on live UAE bank policies — no registration, no commitment, no cost.

How does Fulus Mortgage check mortgage eligibility?

Fulus Mortgage uses real, up-to-date UAE bank policies to instantly assess whether you qualify for a home loan. You answer a few questions about your income, residency status, and property value — and the platform gives you a live eligibility result within minutes.

Will checking my eligibility on Fulus Mortgage affect my credit score?

No. The eligibility check on Fulus Mortgage does not involve a hard credit inquiry and will not affect your credit score.

Can expats check mortgage eligibility in the UAE?

Yes. Fulus Mortgage supports eligibility checks for UAE residents, expats, self-employed individuals, and non-residents.

How much deposit do I need for a UAE mortgage?

UAE expat residents typically need a minimum 20% deposit. UAE nationals can finance up to 85% of the property value. Non-residents generally require a 40% deposit.

What is Mortgage Eligibility Checker?

Mortgage Eligibility Checker manages 5 data types including bank policies. Helps you organize, track, and share your work in 1 place for teams and solo users.

UAE Mortgage Eligibility Checker — Check Instantly Against Live Bank Policies

✅Live UAE Bank Policies

🏦20+ Banks Checked

🔒No Credit Check & 100% Free

Already checked eligibility before?

Who Should Use This Mortgage Eligibility Checker?

🏠First-time buyers in UAE who want to know their real budget before approaching a developer, agent, or bank
🌍Expats living in Dubai, Abu Dhabi, or Sharjah who are unsure whether they qualify for a UAE home loan
🇦🇪UAE Nationals comparing borrowing limits across Islamic and conventional banks
📈Property investors checking whether they can finance an additional investment property
🔁Homeowners considering refinancing who want to see what they qualify for before switching banks — also use our Refinance Calculator
❌Anyone who received a bank rejection and wants to understand exactly why and where else they qualify
💼Self-employed professionals and business owners who want to know which banks accept their income type

Why This Tool Gives You a More Accurate Result Than Going Directly to a Bank

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Every UAE bank has different rules. Minimum salary requirements, nationality-based policies, employment type criteria, and LTV limits all vary bank by bank. Fulus checks all of them simultaneously — not just one.

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We use live bank policies, not generic estimates. Unlike generic online calculators that use average figures, Fulus reflects the actual current lending criteria of each UAE bank, updated regularly.

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Your credit score stays protected. A formal bank application triggers a hard credit inquiry. The Fulus eligibility check does not — so you can check as many times as you need without any impact on your credit file.

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Salaried, self-employed, or business owner — we cover all profiles. UAE banks apply completely different rules depending on your employment type. Fulus applies the right criteria for your specific situation.

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Expat or UAE National — both are fully supported. Eligibility rules, LTV ratios, and minimum salary thresholds differ significantly between nationals and expats. Our tool handles both accurately.

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No registration and no broker call needed. Get your result right now, completely anonymously.

What Fulus Analyses to Determine Your UAE Mortgage Eligibility

Debt Burden Ratio (DBR)

The UAE Central Bank mandates that your total monthly debt repayments — including your new mortgage — cannot exceed 50% of your gross monthly salary. Fulus calculates your DBR instantly. Also use our dedicated DBR Calculator for a detailed breakdown.

Monthly Income & Minimum Salary Thresholds

Different UAE banks have different minimum salary requirements — typically ranging from AED 10,000 to AED 15,000 per month for salaried applicants. Fulus checks your income against each bank's specific threshold.

Existing Liabilities & Active Loans

Every existing debt — personal loans, car finance, credit card limits — reduces how much mortgage you can obtain. Fulus factors in all your current liabilities to give you a precise maximum loan figure.

Employment Type

Whether you are salaried, self-employed, or a business owner, each category is assessed differently by UAE banks. Fulus applies the correct ruleset for your employment profile automatically.

Residency & Nationality

UAE Nationals and GCC Nationals qualify for higher LTV ratios and have access to a wider range of bank products than non-GCC expats. Fulus applies nationality-specific rules to your result.

Loan-to-Value (LTV) Ratio

For properties under AED 5 million, the maximum LTV is 80% for residents and 75% for non-residents. Above AED 5 million, it drops to 70% and 65% respectively. Fulus applies the correct LTV automatically.

How the Fulus Mortgage Eligibility Check Works — 3 Simple Steps

Enter Your Financial Details

Input your monthly income, existing loan and credit card liabilities, employment type, and residency status. The process takes under 2 minutes and requires no documents at this stage.

Fulus Matches Against Live Bank Policies

Our system cross-references your profile against the current, active lending criteria of 20+ UAE banks simultaneously — including DBR limits, minimum salary thresholds, nationality rules, employment type requirements, and LTV ratios.

Receive Your Eligibility Result

Instantly see which banks you qualify with, the maximum mortgage amount you can obtain, your calculated DBR, and any flags that may affect your application — all displayed clearly on one screen.

Want to know how much your monthly repayment will be?

Use our Mortgage Calculator →

How to Understand Your Eligibility Result

✅ If you are eligible

Your result will show the maximum loan amount you qualify for, your DBR percentage, and the banks most likely to approve your application. Your next step is to use our Mortgage Calculator to see your estimated monthly repayment, then contact the Fulus team to begin your application.

⚠️ If your DBR is too high

This means your existing debts are consuming too much of your income to support a new mortgage at your desired amount. Options include reducing existing liabilities before applying, increasing your income documentation, or considering a lower loan amount. Use our DBR Calculator to model exactly how much debt reduction is needed to qualify.

⚠️ If your income is below the bank minimum

Some banks will still consider your application with a co-borrower or a higher down payment. The Fulus team can identify which banks are most flexible for your income level — contact us for a free consultation.

❌ If you received a bank rejection previously

A rejection from one bank does not mean all banks will reject you. Each UAE bank has different policies and risk appetite. Fulus checks all banks simultaneously so you can identify which ones are most likely to approve your profile right now.

Frequently Asked Questions — UAE Mortgage Eligibility

What is the minimum salary to get a mortgage in the UAE?▾

Most UAE banks require a minimum monthly salary of AED 10,000 to AED 15,000 for salaried applicants, though this varies significantly by bank and nationality. Some banks set the minimum as high as AED 20,000 for certain products. The Fulus eligibility checker applies each bank's exact threshold to your income figure.

Can expats get a mortgage in the UAE?▾

Yes. Expats with valid UAE residency visas can obtain UAE mortgages, typically up to 80% LTV for properties under AED 5 million. Non-resident expats can also apply but are limited to 75% LTV. Eligibility depends on income, employment type, nationality, and the specific bank's policy — all of which Fulus checks simultaneously.

How is the Debt Burden Ratio calculated in UAE?▾

The DBR is calculated by dividing your total monthly debt repayments — including all existing loans, credit card minimum payments, and your proposed new mortgage repayment — by your gross monthly income, then multiplying by 100 to get a percentage. The UAE Central Bank caps this at 50%. Use our DBR Calculator for a precise calculation.

Will checking my eligibility on Fulus affect my credit score?▾

No. The Fulus eligibility check is a soft assessment based on bank policy matching — not a formal credit application. It leaves no footprint on your Al Etihad Credit Bureau (AECB) report and does not affect your credit score in any way.

I was rejected by my bank. Can I still get a mortgage?▾

Yes, in many cases. UAE banks have very different risk appetites and lending criteria. A rejection from one bank — particularly for income level, employment type, or nationality — does not mean all banks will reject you. Fulus checks 20+ banks simultaneously so you can identify which ones match your profile today.

Can self-employed people get a mortgage in UAE?▾

Yes, though the documentation requirements are more detailed. UAE banks typically require 2 years of audited accounts, 6 months of business bank statements, and a valid trade licence. Minimum income thresholds are also often higher for self-employed applicants. Fulus applies self-employed specific criteria in your eligibility result.

What documents do I need to apply for a UAE mortgage?▾

At the eligibility check stage, no documents are required — just your financial figures. For a formal mortgage application you will typically need: Emirates ID and passport copy, salary certificate and 3-6 months bank statements (salaried), or audited accounts and trade licence (self-employed), plus property details from the developer or agent.

What is the maximum mortgage I can get in UAE?▾

This depends on your income, DBR, and the property value. For properties under AED 5 million, the maximum LTV is 80% for residents meaning you need a minimum 20% down payment. Your income must also support the monthly repayment within the 50% DBR cap. Use this eligibility checker to get your specific maximum figure now.

Ready to Find Out Exactly What You Qualify For?

Stop estimating. Stop asking around. Enter your income and liabilities once — and get a precise, bank-matched eligibility result across 20+ UAE lenders in under 2 minutes.

No registration. No credit check. No broker call needed.

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