On this page
Joint Mortgage, Spousal Eligibility
5 Mins read

Determining Spousal Eligibility for a Joint Mortgage: Navigating the Factors and Considerations

Holo Blog

The allure of Dubai's real estate market is undeniable. As individuals and families seek to invest in this thriving landscape, the concept of spousal co-signing becomes pertinent. Here's a comprehensive guide to help you navigate the intricacies of determining spousal eligibility for co-signing a mortgage in Dubai.

Why Consider a Joint Mortgage with a Spouse?

A joint mortgage application can often enhance borrowing capacity. By combining incomes, couples may qualify for a higher loan amount than either would individually. This is especially advantageous when eyeing luxury properties or in sought-after Dubai locations.

Eligibility Factors

  • Combined Income: Mortgage brokers in Dubai will assess the combined monthly income to ascertain the loan amount.
  • Existing Debts: Just like individual applicants, the combined Debt Burden Ratio (DBR) plays a significant role. It ensures that the collective monthly liabilities, including the proposed mortgage installment, don't surpass 50% of the combined income.
  • Credit History: A good credit standing for both parties strengthens the application. It's worth noting that a poor credit score from one spouse can impact the application's outcome.

Benefits of Using Digital Tools

Platforms like Holo offer innovative tools tailored to Dubai's market. With the mortgage calculator feature, couples can instantly gauge their borrowing capacity by inputting their combined details. Moreover, Holo connects users to mortgage experts who can guide couples through the nuances of co-signing.

Key Considerations:

  • Liability: Remember, co-signing means shared responsibility. Both parties are equally liable for the repayment of the loan.
  • Future Financial Ventures: A joint mortgage can influence future individual financial borrowings, as it appears on both credit histories.

Explore Holo for Comprehensive Insights

Contemplating a joint mortgage? Let Holo be your guiding star. From mortgage calculators to insights from mortgage experts, navigate the Dubai real estate market with clarity and confidence.


Co-signing a mortgage with a spouse in Dubai presents a unique set of advantages and considerations. With the aid of digital platforms like Holo, couples can make informed decisions, ensuring their combined financial strength propels them toward successful property ownership.

Need help with your property search?
Share this post