Frequently Asked Questions

General rule: 7x your annual salary. But max monthly debt can't exceed 50% of gross income. Example: AED 25,000 salary = max AED 12,500 total monthly debt = roughly AED 1.8M borrowing capacity.

700+ gets best rates. But we've approved 580+ scores with strong income and down payment.

Yes, but limited options. We work with 3 lenders. Need strong profile: good salary, 20%+ down payment, employer confirmation letter.

Fixed = certainty (same payment for 3-5 years). Variable = lower rate initially but can change. Most people choose fixed for 3-5 years, then refinance when period ends.

Credit Link is led by Hassan Javed, CEO, who brings over a decade of experience in the mortgage and banking industry. Our team is made up mostly of ex-bankers and experienced mortgage consultants, giving clients the benefit of deep market knowledge, strong lender relationships, and professional guidance throughout the mortgage process.

Banks pay us when we bring them approved clients. You pay the same rate whether you go direct or through us—but we negotiate better terms.

AED 1M typically. Below that, consider a business loan or personal financing. For financing under AED 1M, see our Residential Finance options.

Investment properties require proven cash flow (DSCR 1.25x+), lower LTV (55-60%), and banks count only 70% of rental income.

Almost all under AED 50M revenue. Your personal assets are at risk if business defaults. This is standard, not negotiable.

Yes. Need UAE subsidiary/branch, local trade license, parent company guarantee. LTV: 50%, rates: 5.75-7.25%, timeline: 12-16 weeks. Buying personally as a non-resident instead? See Non-Resident Finance.

Property valuations are based on the recent transaction in land dept. Generally valuations meet the purchase value and in some cases come higher than the purchase price.

4-6 weeks average. More complex than residential due to business analysis, higher amounts, more stakeholders.

Fixed for first 3-5 years (payment certainty while business establishes). Then refinance or switch to variable.

Almost. Pre-approval and entire process happen remotely. You must visit once for 2-3 days for final signing and key collection.

Yes, you need a UAE bank account to get a mortgage.

Not a problem. Banks convert to AED equivalent. Accepted currencies: USD, EUR, GBP (most preferred), AUD, CAD, INR, PKR, CNY, most major currencies.

Future rental income: usually not counted for first property. Existing rental from other properties: sometimes included if proven with 2+ years contracts.

For non-residents, we recommend ready property. Lower risk, immediate rental income, easier financing, can actually inspect. Off-plan requires more trust since you can't monitor construction. More on off-plan mortgages: Residential Finance.

Property management companies handle everything: tenant finding (one month rent fee), monthly management (5-8% of rent), maintenance, utilities, inspections, compliance. We can introduce 4-5 reputable companies.

UAE has no property tax. But consult tax advisor in your country about foreign property ownership implications. Each country has different rules.