What This Calculator Estimates
Mortgages in the UAE are available to both residents and non-residents (with different loan-to-value limits typically applying to each group), regulated by the UAE Central Bank, which sets maximum loan-to-value ratios depending on whether it's your first property, property value, and residency status. This calculator estimates monthly payments based on the loan amount, interest rate, and term you provide, helping you model different scenarios before approaching a bank for pre-approval.
How to Use This Calculator
- Enter the mortgage amount.
- Enter the annual interest rate.
- Enter the term in years.
- Click Estimate Mortgage.
- Compare the estimate with lender quotes.
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Tips for a More Accurate Estimate
- Check current UAE Central Bank loan-to-value limits for your specific buyer category.
- Compare fixed versus variable rate options, since UAE mortgages commonly offer both.
- Budget for additional costs like DLD transfer fees and valuation fees beyond the loan itself.
- Get pre-approval from a few different banks to compare actual rate offers.
- Model different terms to see how they affect your monthly payment and total interest.
Frequently Asked Questions
What loan-to-value ratio can I get on a UAE mortgage?
The UAE Central Bank sets maximum loan-to-value limits that vary based on whether you're a UAE national or expatriate, first-time buyer, and the property's value — check current Central Bank guidance for exact limits.
Can non-residents get a mortgage in the UAE?
Yes, many UAE banks offer mortgages to non-resident buyers, though typically with lower maximum loan-to-value ratios and sometimes different rate structures compared to resident buyers.
Are UAE mortgage rates fixed or variable?
Both fixed and variable (often linked to EIBOR) rate options are commonly available in the UAE, with fixed rates typically offered for an initial period before potentially reverting to variable.
What additional costs come with a UAE mortgage beyond the loan itself?
Costs like Dubai Land Department transfer fees, valuation fees, and mortgage registration fees are typically required on top of your down payment and should be budgeted for separately.
How does this calculator help before I apply for a mortgage?
It lets you model different loan amounts, rates, and terms to estimate monthly payments before approaching a bank, though actual approval and terms depend on the bank's assessment of your specific application.
Last updated: May 11, 2026