🏡 How Long Does It Really Take to Get a Mortgage Approved in the UAE?

 

Your Step-by-Step Guide to the Process (Minus the Headache)

One of the most common questions we get at Amplus Mortgage is:
👉 "How long does it actually take to get mortgage approval in Dubai?"

Whether you're a first-time buyer, an expat, or a repeat investor, it's a fair question. And the truth is  it’s not as long or complicated as you might think… as long as you know what to expect.

Let’s walk you through it.

🏁 Step 1: Get Pre-Approved (5-7 Business days)

Before you even start looking at homes, you’ll want to get pre-approved by the bank. This step helps you figure out:

  • What you can actually afford

  • How strong your application is

  • And most importantly, whether you’re ready to move when the right property shows up

📋 What happens here?

  • The bank checks your income, debt, credit score, and employment

  • You’ll be asked for some key documents: salary slips, bank statements, and a credit report

  • If everything’s in order, it usually takes just 5-7 working days

💡 Pro tip: Team up with experienced mortgage advisors in Dubai (like us!) to get this done faster and with fewer surprises.

🏡 Step 2: Property Valuation (3–5 Days)

Once you’ve found “the one,” it’s time for the bank to appraise it.

Why? Because they want to be sure the property is worth what you're paying  and what they're financing.

🔍 Here’s what goes down:

  • A licensed evaluator checks the market value, location, and condition

  • They compare similar recent sales in the area

  • The process typically takes 3 to 5 days

📁 Pro tip: Keep your property documents handy so the process doesn’t get delayed.

📑 Step 3: Final Approval (1–2 Weeks)

Now comes the formal approval stage  the part where the bank says:
“Yes, we’re ready to give you the loan.”

What’s involved?

  • The bank double-checks your financial situation

  • They finalize the loan amount, interest rate, and repayment plan

  • This stage can take 1 to 2 weeks, depending on the bank and how complex your case is

🧩 Pro tip: If you're self-employed, expect a little more paperwork. A good mortgage broker in Dubai can help manage everything smoothly with the bank.

✍️ Step 4: Signing the Agreement (1–2 Days)

You’ve reached the finish line! 🎉

This is when you officially sign the mortgage agreement and prepare to register your new property.

🖋️ What you’ll do:

  • Review the loan terms carefully (interest rate, penalties, repayment schedule, etc.)

  • Sign the official mortgage documents

  • The signing itself usually takes 1 to 2 days

📌 Final tip: Take your time reading everything. Ask questions. You’re locking in a long-term deal, and we’re here to explain the fine print.

⏱️ So, How Long Does It All Take?

⏳ On average: 2 to 4 weeks from start to finish.

Of course, this depends on:

  • Your paperwork readiness

  • The type of property (off-plan can take longer)

  • The bank’s internal speed

  • Your employment type (self-employed might require extra checks)

✅ Rule of thumb: Start early. Give yourself at least 3–4 weeks before your planned purchase date to be safe.

🧠 Final Thoughts: Be Prepared, Not Panicked

Yes, the mortgage process has steps


but none of them are scary with the right guidance.

When you work with Amplus Mortgage, we help you:

  • ✅ Get pre-approved fast

  • ✅ Choose from the best mortgage rates in Dubai

  • ✅ Compare offers from over 20 banks

  • ✅ Use tools like our mortgage calculator to stay in control

📞 Ready to Take the First Step?

🏢 Visit our mortgage office in Dubai
💬 Ask us anything — from “How much can I borrow?” to “Which bank offers the best terms?”
🧮 Use our online mortgage calculator to explore your options today

You focus on finding the perfect home. We’ll handle the mortgage.

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