Free Eligibility Assessment

Free Eligibility Assessment

Free Mortgage Eligibility Assessment in Dubai

Know Exactly How Much You Can Borrow — Before You Search for a Property

Most buyers in Dubai start their property search without knowing their real borrowing power. They fall in love with a property, negotiate a price — then discover the bank will only finance 70% of what they expected. The deal collapses. The deposit is at risk. That sequence is entirely avoidable.

Mortgage Market's free eligibility assessment gives you a verified borrowing figure, matched to your income type and profile, checked against 25+ UAE lenders simultaneously — in 30 minutes, at zero cost, with no impact on your AECB credit score. You walk away knowing your maximum loan, your likely rate, and which banks will approve you.

AED 0 Service Fee
25+ Banks Checked
30 min Average Time
Zero AECB Score Impact

What Is a Mortgage Eligibility Assessment?

❝
Definition

A mortgage eligibility assessment is a detailed review of your income, liabilities, residency status, and credit profile against the lending criteria of UAE banks — producing a verified maximum loan amount, indicative rate range, and a shortlist of the lenders most likely to approve your application.

Unlike a basic online mortgage calculator that uses a single formula, our assessment accounts for your specific income type — salaried, self-employed, or commission-based — your existing financial commitments, and the real criteria each of our 25+ bank partners applies during underwriting.

The result is a preliminary mortgage quotation including indicative fees and charges payable to the bank and relevant government authorities — giving you a true cost picture before you commit to anything.

Who Should Get a Free Assessment?

Our eligibility assessment is relevant at every stage of your property journey.

🏠

First-Time Buyers

Understand your real budget before viewing properties. Know your down payment requirement, maximum loan, and monthly instalment — so you only look at homes you can actually buy. Pairs with our residential mortgage service.

🔄

Existing Homeowners Considering a Buyout

If your fixed rate period is ending, find out if you qualify for a lower rate with another lender. Our assessment compares your current terms against live market offers. Explore our mortgage buyout & equity release service.

🏢

Business Owners & Investors

Buying an office, warehouse, or retail unit? Commercial underwriting differs from residential. Our assessment identifies which of our lenders will approve your deal and at what LTV. See non-residential mortgages.

🌍

Expats & Non-Residents

LTV limits and documentation requirements differ for expatriate and overseas buyers. Our assessment maps your specific profile against which UAE banks actively approve expat and non-resident applications.

🏗️

Land & Self-Build Buyers

Financing a plot purchase or building your own home involves specialist lenders and staged drawdowns. Our assessment identifies which banks offer land and construction finance for your profile and location.

💼

Self-Employed Applicants

Not all banks treat self-employed income the same way. Our assessment identifies which lenders use the most favourable income calculation methodology for freelancers, sole traders, and business owners.

 
 
30 Minutes — Zero Cost — No Obligation

Ready to Know Your Real Borrowing Power?

Complete the form on this page or speak to a consultant directly. We assess your profile against 25+ UAE lenders and deliver a preliminary mortgage quotation with indicative rates, fees, and approval likelihood.

How the Free Assessment Works

Four steps from first contact to a verified mortgage figure.

STEP 01
Profile Submission

Complete the Form or Call Us

Share your name, income, nationality, and property intent via the form on this page, our eligibility calculator, or by calling 800 FINANCE. Takes under 5 minutes. No documents required at this stage.

STEP 02
Consultant Review

Your Dedicated Specialist Reviews Your Profile

A dedicated mortgage consultant reviews your income type, liabilities, credit profile, and property intent — then maps your profile against the active lending criteria of our 25+ bank partners.

STEP 03
Bank Matching

25+ Lenders Checked Simultaneously

We identify the 2–3 UAE banks most likely to approve your profile and at the most competitive terms — covering both conventional and Islamic home finance options, across all income and residency types.

RESULT
Your Quotation

Preliminary Mortgage Quotation Delivered

You receive a detailed preliminary quotation: maximum loan amount, indicative rate, estimated monthly instalment, bank processing fees, DLD charges, and approval likelihood — across the top-matched lenders. No commitment required to proceed.

What Your Assessment Covers

Every assessment is comprehensive — not a generic calculation.

What We Review
Why It Matters
Income Type & Amount
Determines your DBR and maximum monthly instalment
Existing Liabilities
Car loans, personal loans, credit cards reduce your eligible mortgage
Nationality & Residency
UAE nationals, expats & non-residents face different LTV caps
Property Type & Value
Residential, commercial, off-plan — each has different bank appetite
Age at Maturity
Salaried: max 65 yrs; self-employed: max 70 yrs at end of term
AECB Credit Profile
Identifies which lenders to approach first — and which to avoid
💡
Your AECB Score Is Not Affected

Our eligibility assessment is a soft review — it does not trigger a hard inquiry on your Al Etihad Credit Bureau record. Every hard bank inquiry stays on your AECB file and can affect subsequent applications. We only submit formally to the right banks once you have chosen to proceed, protecting your credit score throughout.

Why Get Your Assessment Through Mortgage Market?

A bank's own eligibility check shows you one lender's criteria. Ours shows you all of them.

🏦
25+ Banks, One Assessment
We check your profile against every major conventional and Islamic bank in the UAE — not just the one with the biggest marketing budget.
🎯
Matched to Your Profile
Different banks favour different income types. We know which lender's underwriting team best suits salaried, self-employed, commission-based, and rental income profiles.
💰
Completely Free, Always
No assessment fee, no consultation charge, no obligation to proceed. Mortgage Market is paid by the bank upon completion — the borrower pays nothing at any stage.
⚡
Pre-Approval in 24–72 Hours
Once you decide to proceed, our Express Service delivers a formal pre-approval letter from a UAE bank in 24–72 hours — giving you negotiating power with sellers and developers.
 

Frequently Asked Questions

Everything you need to know about your free mortgage eligibility assessment.

Is the eligibility assessment genuinely free? +
Yes, completely. Mortgage Market earns a brokerage fee from the bank upon successful mortgage completion — not from you at any stage. There is no assessment fee, no consultation charge, no administration fee, and no obligation to proceed after receiving your quotation.
Will the assessment affect my AECB credit score? +
No. Our eligibility assessment is a soft review and does not trigger a hard inquiry on your Al Etihad Credit Bureau (AECB) record. Hard inquiries only occur when we formally submit your application to a specific lender — which only happens after you have reviewed your options and chosen to proceed.
How long does the eligibility assessment take? +
Completing the initial form takes under 5 minutes. Your dedicated consultant then reviews your profile and returns a preliminary quotation typically within the same business day. For complex profiles — self-employed, multiple income sources, or non-resident applicants — allow up to 24 hours.
What documents do I need for the assessment? +
No documents are required for the initial assessment. You only need to share your income amount, income type, nationality, existing liabilities, and property budget. Full documentation — passport, Emirates ID, bank statements, salary slips — is only requested once you decide to move forward with a formal application.
Can I get an assessment if I am self-employed or freelance? +
Yes. Our assessment is specifically designed to identify which UAE banks use the most favourable income calculation for self-employed, freelance, commission-based, and rental income applicants. Not all banks treat variable or business income the same way — and picking the wrong lender first is the most common reason self-employed buyers face delays or rejections.
Can expats and non-residents use this service? +
Yes. UAE resident expats and overseas non-resident investors are both eligible for a free assessment. LTV limits differ — expat residents can access up to 80% LTV for residential mortgages, while non-residents typically require a 50% deposit. Our assessment confirms exactly what applies to your specific situation and which banks actively welcome your profile.
What is the difference between an eligibility assessment and a mortgage pre-approval? +
An eligibility assessment is our internal soft review — no bank involvement, no credit inquiry, completed in hours. A pre-approval is a formal letter issued by the bank after a full credit and income check — it takes 3–7 business days and does involve an AECB inquiry. Most buyers start with our free assessment to confirm the right lender, then proceed to pre-approval with the best-matched bank only.
Does the assessment cover commercial property finance? +
Yes. Our free assessment covers all mortgage types we advise on — residential, non-residential and commercial, mortgage buyout and equity release, and land and construction finance. When you submit your profile, simply indicate the property type and our team will match you to the appropriate lenders.
 

Start Your Free Mortgage Eligibility Assessment Today

Know your real borrowing power before you start your property search. Complete the form on this page or speak directly to a consultant — zero cost, zero credit impact, and no obligation to proceed.

Phone
800 (FINANCE) 3462623
Within UAE
Toll-Free
WhatsApp
WhatsApp Us
+971 50 797 1760
Quick Response
Email
Email Us
apply@mortgagemarket.ae
Map
Visit Our Office
Office 201, Al Masaood Tower
Deira, Dubai, UAE

EIBOR as on 31 Mar 2026:    1 MONTH: 3.65%   |   3 MONTH: 3.66%   |   6 MONTH: 3.71%   |   1 YEAR: 3.91%

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