CBD Self-Employed Mortgage
How business owners get approved at Commercial Bank of Dubai — verified pricing, the documents that matter, and honest positioning. Commission-free.
Self-employed and running your own business? Commercial Bank of Dubai 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.
Advertised rate — we confirm Commercial Bank of Dubai's current best pricing for your profile, free.
Can the self-employed get a Commercial Bank of Dubai mortgage?
Yes — business owners, partners and freelancers can finance property through Commercial Bank of Dubai. 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.
Commercial Bank of Dubai advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.19% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.59% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.99% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.49% · 3-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.59% · 5-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Self-employed | 5.04% · 1-yr fixed | then 1.99% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.19% · 5-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.89% · 1-yr fixed | then 1.79% + 3M EIBOR | 2026-07-12 |
Commercial Bank of Dubai publishes a dedicated self-employed segment in our verified set — see the SE rows above. Final pricing is confirmed on application.
What Commercial Bank of Dubai 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 Commercial Bank of Dubai 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 Commercial Bank of Dubai updates
- CBD reinstates standard LTV limits — April 2026 restrictions withdrawn
- CBD revises LTV framework — what residents, expats, and non-residents need to know
CBD self-employed FAQs
What rate do the self-employed get at Commercial Bank of Dubai?
How many years of trade licence do I need?
Do I need audited financials?
Is Commercial Bank of Dubai the best bank for self-employed borrowers?
CBD mortgage overview → · UAE self-employed guide → · Check eligibility →
Compare with other UAE banks
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