Obtaining a mortgage in Dubai is not overly difficult, but it does require careful planning and meeting specific criteria. Key factors that determine whether you can get a mortgage include:

1. Income and Employment: You need to demonstrate a stable income, typically verified through salary certificates, bank statements, and other financial documents. Lenders prefer applicants who have been in their current job for a certain period, making the process smoother for salaried employees. Self-employed individuals may face additional scrutiny​.

2. Credit History: A strong credit score is crucial for mortgage approval. Lenders use your credit history to assess your reliability in repaying the loan. A higher credit score often leads to better interest rates and loan terms, while lower scores may result in higher rates or additional requirements​.

3. Down Payment: You typically need to provide a down payment of around 20% to 25% for residents and 35% for non-residents. Having a larger down payment can help reduce your monthly payments and may improve your chances of approval​.

4. Property Type: Some lenders are more cautious when offering mortgages for off-plan properties or properties in areas with high supply, which may add complexity to the process​.

With the right preparation, such as securing a pre-approval and working with experienced mortgage brokers or banks, obtaining a mortgage in Dubai can be a straightforward process. Proper documentation, a stable financial profile, and knowledge of different mortgage options are essential to ensuring a smooth application process​