Mortgage Calculator
Dubai Mortgage Calculator
Estimate your monthly mortgage repayment before you buy.
Use our Dubai mortgage calculator to model your monthly repayment, down payment, loan amount, and estimated upfront buying costs. For a real bank quote, our mortgage advisor can help compare options based on your income, residency status, and property type.
Mortgage Calculator
How much can I borrow?
Your results
Estimated monthly repayment
AED 8,893 / month
From year 4: AED 10,037 / month at 5.85%EIBOR 4.35% (15 Oct 2026) + 1.5% bank margin
- Property price
- AED 2,000,000
- Down payment
- AED 400,000
- Loan amount
- AED 1,600,000
- Total interest
- AED 1,370,041
- Total amount repaid
- AED 2,970,041
- Estimated upfront cash required
- AED 557,510
Repayments are tested at 2 points above the applicant's rate and all monthly loan payments must be no more than half of the individual's income. The mortgage itself must not exceed 7 times the individual's annual income. For UAE nationals the limit is 8 times. In most mortgages in Dubai the interest rate is fixed for a period of one to five years. From then on the interest rate is three month EIBOR (which stood at 4.35% on 15 October 2026) plus the lender's spread.
This is an indicative estimate only. Final mortgage eligibility, rate, and loan amount depend on the bank, income profile, credit history, residency status, age, property type, and valuation.
Upfront buying cost breakdown
Down payment
20% of property price
DLD transfer fee
4% of property value, paid by the buyer
Title deed fee
Market rate
Agency fee
2% + VAT
Trustee / registration fee
AED 4,000 + VAT
Mortgage registration fee
0.25% of mortgage value
Valuation fee (estimate)
typically AED 2,500–3,500
Conveyancing fee
AED 6,600 + VAT (with mortgage)
Bank processing fee
Up to 1% of the loan + VAT (some banks waive it)
Since February 2025 the transfer and agency charges are no longer included in the mortgage and must be paid in cash.
These costs are indicative and can vary by property type, bank, developer and how the transaction is structured. They are not legal or financial advice.
Down payment guide
Mortgage rules for UAE residents and non-resident buyers
These are general market guides. Actual bank approval depends on eligibility, property value, and lender policy.
The process
How Al Ranim Properties helps you secure a mortgage in Dubai
- 01
Initial affordability check
We will look at your budget, your income, and the kind of property that you would like to purchase, and tell you how much you can expect to spend on your purchase.
- 02
Mortgage pre-approval
We will help you get a pre-approval for a mortgage from a bank. This will give you an idea of the amount that you can finance for your property purchase.
- 03
Property shortlisting
With a budget set, we can start looking for properties that match it, and once found, we will arrange viewings for you.
- 04
Valuation and final offer letter
Once you have decided on the property that you want to purchase, the bank will value it and issue you with an offer letter to purchase the property.
- 05
Transfer and handover
Once you have accepted the offer letter, we will run the paperwork with the Dubai Land Department to complete the transfer and handover of the property to you.
Real quote
Need a real mortgage quote?
A calculator can give you an estimate. A mortgage advisor can tell you what banks are actually willing to offer based on your profile.
Everything you should know
Mortgages in Dubai, explained
How does a Dubai mortgage calculator work?
A Dubai mortgage calculator takes the price of the property you want to buy, the down payment you'll make, the interest rate and the term of your mortgage and uses that information to work out your monthly repayment. It also provides an estimate of your down payment, the total interest you will pay and the total amount you will pay over the term of your mortgage, as well as the initial outlay of cash you will need to purchase the property. All of these figures will update for you should you change any of the variables.
What affects your monthly mortgage payment?
The four factors that will have the most influence upon your monthly mortgage payment will be the price of the property, the down payment you are making, the interest rate upon your mortgage and the length of your mortgage term. The higher your down payment, the lower your monthly mortgage figure will be. The longer the term of your mortgage, the lower your monthly repayments will be, although you will pay more interest overall over the term of your loan. Dubai's mortgage rates are linked to the EIBOR interest rate. Your mortgage interest rate will be influenced by the current market interest rates and your own mortgage profile.
What upfront costs should buyers budget for?
There are a number of fees paid in cash by someone purchasing property in Dubai other than their deposit. Banks no longer include the transfer and agency charges in the mortgage. There is a transfer charge from the Dubai Land Department of 4% paid by the buyer, a title deed charge of AED 580, an agency charge of 2% plus VAT, a trustee office charge, a conveyancing charge, a mortgage registration charge of 0.25% of the mortgage, a valuation charge and a bank processing charge of up to 1% of the mortgage plus VAT charged by the bank. For a mortgage purchase these all generally amount to around 8% in addition to the deposit paid. The Dubai mortgage calculator will give you an indication of how much money you will need up front to purchase your property in Dubai.
Can non-residents get a mortgage in Dubai?
A mortgage can be obtained by non-residents in Dubai but usually only for between 50% and 60% of the property value. Therefore between 40% and 50% is usually paid upfront at the time of purchase. Banks will require evidence of income from the non-resident's home country. Each bank will have different policies regarding non-residents. A non-resident buyer will do best to speak to a mortgage advisor who can tell you which banks will take your mortgage application and on what terms.
Should you get mortgage pre-approval before viewing properties?
Getting pre-approved for a UAE mortgage before you start viewing properties is one of the most useful things you can do. A pre-approval from a bank will tell you the amount that they are willing to lend to you based on your income and profile. This will allow you to negotiate with the seller as you know that your finance is in order. Although there is some paperwork involved upfront, this will save you time and disappointment further down the road.
Fixed rate vs variable rate mortgages in the UAE
Most mortgage loans in the UAE come with a fixed rate for an introductory period of between one and five years, after which the rate will become variable based on EIBOR. A fixed mortgage rate allows you to have predictability in your mortgage payments for the agreed period. However, a variable rate starts at a lower rate, which will change based on market rates for that specific mortgage. The decision between these two types of mortgages will depend on the length of time that you plan to own your property. A mortgage advisor can tell you more about the specifics of each type of mortgage.
Mortgage for ready properties vs off-plan handover payments
For ready properties, financing comes under the standard mortgage loan agreement that you will complete at the time of property transfer. For off-plan properties, you will pay the developer in instalments into the construction of your building. In this case, a mortgage will be arranged around the handover of the property. Some banks do offer handover finance for off-plan properties. However, the terms of these mortgages will vary. If you are looking to purchase an off-plan property, it is worth it to look into your mortgage options to ensure that your handover payment is ready when the property is built and ready for viewing.
When you are ready, browse properties for sale in Dubai, explore off-plan projects, or compare projects side by side. For tailored numbers, contact our team.