FAB Self-Employed Mortgage
How business owners get approved at First Abu Dhabi Bank — verified pricing, the documents that matter, and honest positioning. Commission-free.
Self-employed and running your own business? First Abu Dhabi 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.
Advertised rate — we confirm First Abu Dhabi Bank's current best pricing for your profile, free.
Can the self-employed get a First Abu Dhabi Bank mortgage?
Yes — business owners, partners and freelancers can finance property through First Abu Dhabi 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.
First Abu Dhabi Bank advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.24% · 1-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.24% · 2-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.24% · 3-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.44% · 5-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.24% · 1-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.24% · 2-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.24% · 3-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Self-employed | 4.44% · 5-yr fixed | then 1.89% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 1-yr fixed | then 1.5% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 2-yr fixed | then 1.5% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.5% + 3M EIBOR | 2026-07-12 |
| Salary transfer | 4.19% · 5-yr fixed | then 1.5% + 3M EIBOR | 2026-07-12 |
First Abu Dhabi Bank publishes a dedicated self-employed segment in our verified set — see the SE rows above. Final pricing is confirmed on application.
What First Abu Dhabi 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 First Abu Dhabi 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 First Abu Dhabi Bank updates
- FAB and ADIB refund valuation and early-settlement fees on buyout loans (2 July 2026)
- FAB revises LTV limits — transition rules for in-progress applications
FAB self-employed FAQs
What rate do the self-employed get at First Abu Dhabi Bank?
How many years of trade licence do I need?
Do I need audited financials?
Is First Abu Dhabi Bank the best bank for self-employed borrowers?
FAB mortgage overview → · UAE self-employed guide → · Check eligibility →
Compare with other UAE banks
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