Same-day mortgage pre-approval in the UAE
There are two things buyers call pre-approval. The first is an indicative decision: a lender's affordability view based on income, liabilities and deposit, which we can usually return the same working day. The second is a formal pre-approval letter issued after the bank's credit team reviews your documents, typically 48 hours, sometimes longer when income is complex.
Speed comes almost entirely from file quality. A complete pack, salary certificate or trade licence, statements, ID documents and liability details, moves through underwriting without the back-and-forth that turns two days into two weeks.
Once issued, the letter holds for roughly 60 days and is what lets you negotiate seriously. In a market where sellers weigh certainty as heavily as price, a buyer with pre-approval in hand consistently gets the better conversation.
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What we need to get you an answer
- ID: passport, Emirates ID, visa page
- Income: salary certificate and payslips, or trade licence and financials
- 6 months of bank statements
- Existing liability statements
- Proof of deposit funds
From 3.75% p.a.
Lowest available rates from 12+ UAE banks
Pre-approval in 48 hours
Indicative subject to eligibility
12+ partner banks
Conventional & Islamic
Zero broker fees
Free for buyers
Indicative figures only. Final rates and approvals are subject to bank assessment, eligibility and UAE Central Bank guidelines.
How It Works
From application to keys in hand-we make the mortgage process simple and stress-free
Get to Know You
We understand your financial situation, goals, and eligibility to find the best mortgage options for you.
Unlock Your Options
Access 20+ banks and compare rates, terms, and conditions. We negotiate on your behalf for the best deal.
Get Pre-Approved
We handle all the paperwork and documentation. Receive your pre-approval within 48 hours.
Close on Your Home
Final approval, property valuation, and closing support. We're with you until you get the keys.
Run the numbers
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Your Monthly Payment
Loan Amount
AED 1,600,000
Total Interest
AED 1,203,236
Total Payment
AED 2,803,236
Check Your Eligibility
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Get Pre-Qualified Today
Complete this quick form and receive your pre-qualification within 48 hours
Property Details
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Same-day pre-approval, common questions
How fast can I get mortgage pre-approval in the UAE?
An indicative affordability decision is usually available the same working day. A formal bank pre-approval letter typically follows within 48 hours once your documents are complete.
How long is a UAE mortgage pre-approval valid?
Around 60 days for most lenders. If your search runs longer it can normally be refreshed with updated statements.