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THUMANI / FINANCINGBEFORE THE SHORTLIST

Mortgage pre-approval

A little certainty.
Before a big move.

Bring your home plans and your finances onto the same page. We help you prepare for a lender’s initial review, so you can approach your property search with a clearer idea of what comes next.

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Your starting point

A clearer route
to your next home.

  1. Your circumstancesIncome, commitments and available deposit
  2. The lender’s reviewYour application and supporting documents
  3. A conditional decisionA starting point for a more focused search

Pre-approval remains subject to the lender’s conditions and final approval.

YOUR PLANS. A MORE INFORMED NEXT STEP.
Start with your financesPrepare the paperworkFind your direction

Clarity before commitment

Give your search
a better starting point.

A property search feels different when the financing conversation has already begun. Pre-approval helps you understand what a lender may be willing to lend, based on its initial assessment.

01

A more useful budget

Discuss your borrowing options alongside the deposit, purchase costs and monthly commitment that work for you.

02

Paperwork with a purpose

Understand which documents matter for your circumstances, and resolve questions before moving further.

03

A shortlist with direction

Use the lender’s conditional decision to guide your search, while keeping its terms and expiry date in view.

The preparation desk

What should I get ready?

A practical checklist for the first conversation. The lender will confirm the documents and statement periods it needs.

UAE resident · Salaried

Tick the items you have gathered. This records your preparation only; it does not assess eligibility.

This is a general preparation guide. Requirements differ by lender and application.

How it comes together

From the first conversation
to the offer letter.

Walk through it with us
  1. 01

    Set the direction

    Talk through your circumstances, your property plans and the questions you want answered.

  2. 02

    Prepare for review

    Gather the requested information and supporting documents for the lender’s assessment.

  3. 03

    Read the decision

    If issued, review the pre-approval amount, conditions, validity and any follow-up requirements.

  4. 04

    Move towards the offer

    Once a property is chosen, progress through valuation, property checks and the lender’s final approval.

Know the difference

Two stages.
One important distinction.

Pre-approval helps you plan. The final offer confirms the financing terms after the lender completes its required reviews.

BEFORE THE PROPERTY IS FINALISED

Pre-approval

An initial, conditional assessment of your borrowing options.

  • Based on the information reviewed by the lender.
  • Subject to conditions and a stated validity period.
  • Does not guarantee a loan or release of funds.
AFTER THE REQUIRED REVIEWS

Final approval & offer

The lender’s decision on the specific mortgage application.

  • Includes property eligibility and valuation checks.
  • May require updated documents and further checks.
  • Completion still depends on fulfilling the offer conditions.
Dubai residential towers viewed from the waterfront
Property & finance, considered together.

When you are ready to look

Your finances have context.
Your search should too.

Bring the financing conversation into your shortlist. Our team can help you explore homes, compare locations and understand the questions to ask about the property you choose.

Explore buying a home Get to know the areas Compare renting and buying

Before you begin

A few things
worth knowing.

Clear answers to the questions that often come up at the start.

Ask our team
Do I need to choose a property first?

You can generally begin the pre-approval conversation before choosing a property. The lender will explain when it needs property details and which homes it can finance.

Does pre-approval guarantee a mortgage?

No. It is conditional. Final approval depends on the lender’s requirements, including the property, valuation, document checks and any changes to your circumstances.

Can I enquire if I am self-employed or live overseas?

Yes, you can discuss your circumstances with our team. Some lenders offer options for eligible self-employed applicants and non-residents, with different criteria and documents. Availability and approval depend on the lender’s assessment.

How long does the process take, and how long is it valid?

Timing depends on the lender, your application and whether the information supplied is complete. The issued pre-approval will state its validity and conditions. Check these before making commitments, and ask about renewal if your search takes longer.

What costs should I discuss at the start?

Discuss the deposit, purchase and registration costs, valuation, any lender or adviser fees, insurance and ongoing repayments. Ask for a written breakdown of the charges that apply to your proposed transaction.

What if my circumstances change after pre-approval?

Tell your adviser and lender if your employment, income, commitments or deposit changes. The lender may need updated information and may reassess its decision.

Start with a conversation

Let’s put your plans
on firmer ground.

Tell us where you are in your search. We’ll help you understand the preparation and the next step.

Talk to Thumani