Yes. Self-employed buyers can get a mortgage without audited accounts, up to a loan amount that varies by bank. Above that amount, audits are needed.
- Low-doc (bank statements only): usually 60%–65% of the value, depending on your profile
- Full documents without audits (VAT returns plus company bank statements): higher finance, up to 80%
- Loan cap: each bank sets a maximum loan without audits
- Above the cap: audited financials are required; some banks ask for them on loans above about AED 8 million
- Trade licence: usually 2 years of trading
Steady deposits into the company account strengthen any application.
Related: Self-employed mortgages · Documents
