Answers
Can I get a joint mortgage with my spouse?
A short answer, with the article it comes from.
The answer
Usually, yes. Nothing in the Central Bank's rules prevents two people borrowing together, and a spouse's income can be counted. How much of it counts, and whether both of you must be owners, is each bank's policy. Every person who signs must be given copies of the documents free of charge.
CBUAE Consumer Protection Standards Clause 2.1.1.29, and CBUAE Circular 31/2013 Articles 3.1 and 3.2, checked 2 October 2026.
The Consumer Protection Standards anticipate more than one signer: "Where there is a guarantor or more than one Person signing a contract", each must be given copies of the documents free of charge. The rest is set by each lender.
The affordability tests apply to everything both of you owe. Each applicant's loans and credit card facilities count against the 50 percent debt burden limit, so adding an applicant with large commitments can reduce the loan rather than raise it.
The first home caps can be claimed on only one property per borrower, so if either of you has already used that claim, ask how the bank will treat the purchase before you rely on the higher cap.
How banks treat joint applications differs across our panel. A specialist can tell you which banks count both incomes most fully for your situation.
How a second applicant's income is counted, and title requirements, are lender practice and differ across our panel.
Rules are the easy part. Your file is the question.
Buying together? Talk to a Specialist about which banks count both incomes.