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Arab Bank Self-Employed Mortgage

How business owners get approved at Arab Bank — verified pricing, the documents that matter, and honest positioning. Commission-free.

Self-employed and running your own business? Arab Bank is one of the banks we place business-owner files with — commission-free. Advertised rates below are verified from official circulars; we confirm your exact terms free.

Arab Bank self-employed · advertised · verified
from 4.89% p.a.
Self-employed pricing depends on your financials and LTV — we confirm your exact terms free.

Advertised rate — we confirm Arab Bank's current best pricing for your profile, free.

Estimated monthly payment
AED 9,490/mo
Loan AED 1,600,000

Can the self-employed get a Arab Bank mortgage?

Yes — business owners, partners and freelancers can finance property through Arab Bank. Self-employed files are assessed differently from salaried ones: banks look at your trade licence history (typically 2+ years), audited financials or bank statements, and apply an income haircut of roughly 20–40% to smooth variable earnings. Positioning the file correctly is most of the battle — that’s our job.

Arab Bank advertised rates

SegmentAdvertised fixed rateAfter the fixed periodVerified
Non-salary transfer4.15% · 2-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Non-salary transfer4.30% · 3-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Self-employed4.89% · 2-yr fixedthen 2.5% + 6M EIBOR2026-07-12
Self-employed4.99% · 3-yr fixedthen 2.5% + 6M EIBOR2026-07-12
Salary transfer3.78% · 2-yr fixedthen 1.99% + 6M EIBOR2026-07-12
Salary transfer4.15% · 3-yr fixedthen 1.99% + 6M EIBOR2026-07-12

Arab Bank publishes a dedicated self-employed segment in our verified set — see the SE rows above. Final pricing is confirmed on application.

What Arab Bank will ask for

  • Trade licence (usually 2+ years) and company documents (MOA, share certificates).
  • Audited financials and/or 6–12 months of business + personal bank statements.
  • Existing liabilities — your total instalments must fit the UAE-wide 50% debt burden ratio.
  • Standard LTV caps apply: up to 80% on a first property ≤ AED 5M (residents); self-employed low-doc products can sit lower — we confirm your exact limit.

How we get self-employed files approved

  • We pre-check your income calculation the way the credit team will — before the bank sees it.
  • If Arab Bank isn’t the right home for your profile, we’ll say so and place you with the bank most likely to approve — we compare 15+.
  • Commission-free: the bank pays us on completion, never you.

Latest verified Arab Bank updates

Arab Bank self-employed FAQs

What rate do the self-employed get at Arab Bank?
Advertised self-employed pricing currently starts from 4.89% (see table). Your exact rate depends on financials, LTV and banking relationship — we confirm it free.
How many years of trade licence do I need?
Typically 2+ years with supporting financials. Newer businesses can sometimes be placed at lower LTV — worth a free check before assuming a no.
Do I need audited financials?
Full-doc products usually want audited financials; low-doc routes lean on bank statements at a lower LTV. We position your file on the route that fits.
Is Arab Bank the best bank for self-employed borrowers?
It depends on your sector, income pattern and paperwork. We compare Arab Bank against 15+ UAE banks and place the file where approval odds and pricing are strongest.

Arab Bank mortgage overview →  ·  UAE self-employed guide →  ·  Check eligibility →

Compare with other UAE banks

Standard Chartered mortgage → ADCB mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 12 bank guides →

Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we compare all of them for you, free.