Standard Chartered Self-Employed Mortgage
How business owners get approved at Standard Chartered UAE — verified pricing, the documents that matter, and honest positioning. Commission-free.
Self-employed and running your own business? Standard Chartered UAE 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 Standard Chartered UAE's current best pricing for your profile, free.
Can the self-employed get a Standard Chartered UAE mortgage?
Yes — business owners, partners and freelancers can finance property through Standard Chartered UAE. 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.
Standard Chartered UAE advertised rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Salary transfer | 4.29% · 3-yr fixed | then 0.7% + 3M EIBOR | 2026-07-12 |
Standard Chartered UAE does not have a standing self-employed rate in our current verified set — SE pricing is quoted per profile on application. The table above shows its standard advertised rates as reference. Final pricing is confirmed on application.
What Standard Chartered UAE 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 Standard Chartered UAE 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 Standard Chartered UAE updates
- Standard Chartered tightens mortgage rate ladder — 3-month up 4 bps, mid-to-long tenors rise 2–6 bps (12 June 2026)
- Standard Chartered updates mortgage rate ladder — 3-month up 10 bps, longer tenors ease (4 June 2026)
- Standard Chartered repositions mortgage range — 4.29% fixed, 75-year maturity, 50% offset
Standard Chartered self-employed FAQs
What rate do the self-employed get at Standard Chartered UAE?
How many years of trade licence do I need?
Do I need audited financials?
Is Standard Chartered UAE the best bank for self-employed borrowers?
Standard Chartered mortgage overview → · UAE self-employed guide → · Check eligibility →
Compare with other UAE banks
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.