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CBD Self-Employed Mortgage

How business owners get approved at Commercial Bank of Dubai — verified pricing, the documents that matter, and honest positioning. with no client brokerage fee.

Self-employed and running your own business? Commercial Bank of Dubai is one of the lenders we can assess for business-owner files. Mortg Ease charges no client brokerage fee. The rates below are drawn from dated, verified broker-channel pricing updates; we reconfirm current indicative pricing and requirements before submission.

CBD self-employed · advertised · verified
from 4.64% p.a.
Self-employed pricing depends on your financials and LTV — we reconfirm current indicative pricing and requirements before submission.

Advertised rate — we confirm Commercial Bank of Dubai's current indicative pricing for your profile, free.

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

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. The lender reviews licence and ownership records, company and personal statements, financial accounts and existing commitments under its current product policy. There is no universal trading-history or income-reduction rule across the UAE market, so the dated rate table below is kept separate from underwriting criteria that must be reconfirmed before submission.

Indian founder or shareholder in the UAE? Use the business-owner document-readiness check before choosing a bank.

Commercial Bank of Dubai advertised rates

SegmentAdvertised fixed rateAfter the fixed periodVerified
Non-salary transfer4.24% · 3-yr fixedthen 1.79% + 3M EIBOR2026-08-27
Non-salary transfer4.59% · 5-yr fixedthen 1.79% + 3M EIBOR2026-07-12
Non-salary transfer4.99% · 1-yr fixedthen 1.79% + 3M EIBOR2026-07-12
Self-employed4.64% · 3-yr fixedthen 1.99% + 3M EIBOR2026-08-27
Self-employed4.74% · 5-yr fixedthen 1.99% + 3M EIBOR2026-08-27
Self-employed5.04% · 1-yr fixedthen 1.99% + 3M EIBOR2026-07-12
Salary transfer3.99% · 3-yr fixedthen 1.79% + 3M EIBOR2026-07-12
Salary transfer4.19% · 5-yr fixedthen 1.79% + 3M EIBOR2026-07-12
Salary transfer4.89% · 1-yr fixedthen 1.79% + 3M EIBOR2026-07-12

The 27 August 2026 broker-channel update confirms the non-salary-transfer 3-year rate for completed properties and both 3- and 5-year self-employed / low-doc rates. Other rows retain their separately verified dates. Final pricing is confirmed on application.

Evidence to prepare for a Commercial Bank of Dubai review

  • A current trade licence and applicable ownership documents, such as the MOA or share certificate; the minimum business history is product-specific.
  • Company and personal bank statements plus financial accounts for the period Commercial Bank of Dubai currently requests.
  • Existing personal and business commitments. The CBUAE DBR maximum for expatriates is 50%, but the lender must also stress-test affordability and may use a lower limit.
  • Property and identity evidence. CBUAE LTV ceilings depend on the applicant and property category, not employment type; Commercial Bank of Dubai may approve less.

Regulatory ceilings: CBUAE mortgage regulations. Published bank checklists are not identical; see the source-led comparison in our UAE self-employed mortgage guide. We confirm Commercial Bank of Dubai’s current checklist before submission.

How we prepare the file before submission

  • We reconcile the licence, ownership, accounts and statement trail before the bank sees it.
  • If Commercial Bank of Dubai’s current criteria do not fit, we explain why and compare alternative lenders before another application is sent.
  • with no client brokerage fee: a lender may pay Mortg Ease a commission on completion; bank and third-party charges can still apply.

Latest verified Commercial Bank of Dubai updates

CBD self-employed FAQs

What rate do the self-employed get at Commercial Bank of Dubai?
Verified broker-channel self-employed pricing currently starts from 4.64% for a 3-year fixed term (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?
There is no market-wide minimum. Commercial Bank of Dubai’s current product criteria and the evidence in your file determine the required history, so we reconfirm it before submission.
Do I need audited financials?
It is product-specific. Financial accounts, company and personal statements, ownership documents and liabilities may be requested. We provide the current bank-specific checklist before you apply.
Is Commercial Bank of Dubai the best bank for self-employed borrowers?
It depends on your sector, income pattern and evidence. We review Commercial Bank of Dubai within our 14-bank coverage, verify current criteria and pricing, and shortlist the routes that fit before submission.

CBD mortgage overview →  ·  UAE self-employed guide →  ·  Check eligibility →

Same at other banks: Dubai Islamic Bank →  ·  Emirates Islamic →  ·  Emirates NBD →

Compare with other UAE banks

Standard Chartered mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 14 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 review relevant lender routes with no client brokerage fee.