Certified True Copy of Bank Statement for Mortgage or Loan Application

Certified Bank Statements for Mortgage and Loan Applications

Banks and mortgage brokers frequently ask for a certified true copy of bank statement for mortgage Dubai applicants can submit alongside their loan file. This page covers how that certification is done for mortgage and loan use specifically.

Who Needs This Certification

• First-time home buyers applying for a mortgage in the UAE
• Property investors financing a purchase through a bank loan
• Individuals refinancing an existing mortgage
• Applicants for a personal or business loan where the lender requests certified statements
• Guarantors or co-applicants whose bank statements form part of the lending assessment

Who Can Attend and What Is Required

The certification is generally done for the named account holder, attending in person with the original statement and identification. For joint accounts or joint mortgage applications, it is worth checking whether your lender expects each account holder’s statement to be certified individually.

If a representative is attending on behalf of an applicant, bring any power of attorney or authorization documentation so it can be reviewed alongside the bank statement.

How the Certification Works

1. Tell us which statements your lender or broker has requested and by when
2. We confirm the documents needed and book your appointment
3. Each original statement is examined against its copy by a licensed UAE legal professional
4. The copies are certified as true copies of the originals
5. You collect the certified statements, ready to submit with your mortgage or loan file

Common Mistakes to Avoid

• Bringing a statement that covers the wrong date range for what the lender requested
• Submitting statements with missing pages, which can cause the lender to reject the file
• A name on the account that does not match the mortgage applicant’s name, common with joint or family accounts
• Missing the bank’s official stamp or authentication on a printed statement
• Assuming a translated statement is automatically accepted without separate certification of the translation

Typical Situations

A first-time buyer is asked by their bank to submit certified copies of several months of salary account statements as part of the mortgage assessment.

An expat professional refinancing an existing property loan needs certified statements from a new employer’s salary account to support the updated application.

A guarantor supporting a friend’s business loan is asked to provide a certified true copy of their own bank statement as part of the lender’s due diligence.

How This Differs From General Bank Statement Certification

A general bank statement certification is often a single document for an administrative purpose. Mortgage and loan cases usually involve multiple months of statements that need to be certified as a consistent, complete set, often with every page included and in the correct order, since lenders tend to be strict about completeness.