Have you also awoken in the middle of the night in a cold sweat, wondering where you left your birth certificate? Then we've got some excellent news for you. A birth certificate is not required to apply for a mortgage. However, you will need numerous additional documents, which you may have to dig up from beneath your bed.

In this process, we'll go through what papers you'll need, why you'll need them, and how we can make the process much easier. This tutorial will assist you in preparing all the documentation required to apply for a mortgage and help you avoid any nightmares.

What Papers Am I Required To Provide For A Mortgage Pre-Approval

So it takes more work. The documentation you must provide depends on whether you are self-employed or salaried, as well as whether you are a UAE resident. Even yet, it is an inexact science. We've compiled a list of the most often required papers for each category to understand what you'll need to gather to prepare for your mortgage application. More documentation may be necessary based on your unique circumstance and the bank you are applying to.

Salaried UAE Resident

  • Passport
  • Emirates Identification
  • Visa for residence in the UAE
  • Proof of residential address (e.g., DEWA bill)
  • The salary certificate must include your starting date, current job, corporate signature, and company stamp. To be legitimate, this letter must be printed on corporate letterhead and issued within the past 30 days.
  • Labor Identification (may not be necessary depending on your case)
  • Payslips for 3 to 6 months

Resident Of The UAE: Self-Employed

  • Passport
  • Visa for residence in the UAE
  • Emirates Identification
  • Company commercial license
  • Financial statements that have been audited
  • The company's memorandum of association (MOA) must cover all chains.
  • Stock certificates (if Free Zone Company)
  • Bank statements over the previous six months for the company
  • Personal bank statements also from the last six months

Salary: Non-Resident

  • Passport (all pages) (all pages)
  • Local Identification
  • Proof of overseas residential address (e.g., your latest utility bill)
  • Your salary certificate must have the following information: your date of hire, current job, company signature, and company stamp. To be legitimate, this letter must be printed on corporate letterhead and issued within the past 30 days.
  • Personal bank statements from the previous six months
  • Six months' pay slips.

Self-Employment As A Non-Resident

  • Passport (all pages) (all pages)
  • Local Identification
  • Proof of overseas residential address (e.g., your latest utility bill)
  • Document confirming the formation date of your organization (This document varies depending on your country)
  • Stock certificates (Depending on your country, this document may differ.)
  • Document for determining profit share.
  • Personal credit report from abroad
  • Bank statements over the previous six months for the company
  • Personal bank statements also from the last six months

What Is The Purpose Of These Documents?


We realize it is a lot, but there is a reason behind it, we promise. The bank with whom you are applying for a mortgage needs these documents to verify critical information such as your identification, work status, residency status, and financial history - in other words, they need to prove you are whom you claim to be. The bank may then make an informed judgment on whether you can repay your mortgage loan and, as a result, whether or not to give you money. Consider it as proof of your ability to repay your home loan.

How Do I Send In My Mortgage Application Documents?

If you apply directly through a bank or a conventional Mortgage Broker, you will most likely be given a list of papers that the bank demands based on your situation. These papers must be sent or Whatsapp to the bank or broker. Depending on your bank or broker, these documents may only be examined after you submit them, resulting in a lot of back and forth (usually difficulties with document formats or missing information) that will cause your application to be delayed.