Mortgage Loan

Home/ Mortgage Loan

Secure Your Mortgage Today!

Realizing your dreams of homeownership begins with the right support. At IRHA Businessmen Services, we specialize in helping individuals like you turn the key to their new home. Our expert team is dedicated to simplifying the mortgage process, making it easy for you to step into the home of your dreams.

Why choose us?

Tailored Solutions: We understand that every homebuyer is unique. That’s why we offer personalized mortgage solutions designed to fit your specific needs, ensuring you find the right financing option for your dream home.

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Our Mortgage Loan Solutions Include:

To apply for a mortgage loan in Dubai, you need to provide a variety of documents to demonstrate your financial stability, legal residency, and the specifics of the property you wish to purchase. Here are the commonly required documents

General Requirements

Application Form:
- Completed and signed mortgage loan application form provided by the bank or financial institution.

- Original passport and a copy.

Residence Visa
- Valid UAE residence visa (original and copy).

Emirates ID
- Original Emirates ID and a copy.

For Salaried Individuals

Salary Certificate
- Recent salary certificate from your employer (usually not older than 30 days).

Bank Statements
Bank statements for the last 3 to 6 months.

Employment Contract
- Copy of your employment contract stating your salary details and length of employment.

- Recent payslips (typically last 3 to 6 months).

For Self-Employed Individuals

Trade License
- Valid trade license for your business.

Bank Statements
- Bank statements for the last 6 to 12 months.

Audited Financial Statements
- Audited financial statements of your business for the last 2 years.

Proof of Ownership
- Recent payslips (typically last 3 to 6 months).

Property Specific Requirements

Property Details
- Detailed information about the property you wish to purchase, including location, size, and price.

Sale Agreement
- Sale and Purchase Agreement (SPA) or Memorandum of Understanding (MoU) between you and the seller.

Property Valuation Report
- Valuation report of the property conducted by an approved valuer.

Title Deed
- Copy of the property’s title deed (if available).

Down Payment Proof
- Proof of the down payment made to the seller.

Additional Requirements

Credit Report
- Some banks may require a credit report from Al Etihad Credit Bureau (AECB).

Proof of Address
- Utility bills, tenancy contract, or other documents as proof of your current address in the UAE.

Legal Documents
- Any other legal documents relevant to the property, such as NOC from the developer or the owner's association.

Life and Property Insurance
- Some banks may require you to have life insurance and property insurance with the bank listed as the beneficiary.


Providing the necessary documents accurately and promptly can streamline your mortgage loan application process in Dubai. Since requirements may vary slightly between banks and financial institutions, it is advisable to check with your chosen lender for specific details and additional documents that may be required based on your personal circumstances and the type of mortgage you are applying for.

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