Mashreq Self-Employed Mortgage

Can the self-employed get a Mashreq Bank mortgage?

Yes — business owners, partners and freelancers can finance property through Mashreq 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.

Mashreq Bank advertised rates

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

What Mashreq 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 Mashreq 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 Mashreq Bank updates

• Mashreq eases high-risk-segment LTV caps — 70% reinstated for key sectors, 60% for the rest
• Mashreq revises mortgage policy — min income, property caps, non-resident buyout to 50% LTV (14 July 2026)
• Mashreq raises standard fixed pricing to 4.49% and moves the premium bar to AED 50K salary (10 July 2026)

Mashreq self-employed FAQs

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