Dubai Buyer Tools
Dubai Mortgage Calculator
Estimate your monthly payment, total upfront cash and full cost of ownership for any Dubai property. Central Bank LTV caps and DLD/agency fees are built in, no signup, no email required.
Indicative only. Rates from banks in Dubai typically range 3.99–5.5% depending on profile. Actual eligibility, LTV and fees are confirmed by the lender.
Frequently asked
UAE residents can borrow up to 80% loan-to-value on their first property under AED 5M, so a 20% cash deposit. Non-residents are capped at 60% LTV, meaning a 40% deposit. Above AED 5M, residents step down to 65% LTV.
In 2026, Dubai mortgage rates typically range from 3.99% to 5.5%, depending on your income, employer, and whether you go fixed (usually 1–5 years) or variable (EIBOR + margin). Our calculator defaults to 4.25%, a realistic mid-market rate.
Budget roughly 7–8% of the property price in fees: DLD transfer (4%), agency commission (2%), trustee office (~AED 4,200), plus mortgage registration (0.25% of loan + AED 290) if you're financing.
Up to 25 years for UAE residents, provided you are under 65 at loan maturity (70 for self-employed). Non-residents typically get 20–25 years depending on the lender.
Yes, most Dubai banks lend to non-residents on freehold properties, at up to 60% LTV. Requirements include proof of income (usually 6 months of statements), a credit report from your home country, and a minimum salary threshold (varies by bank).
Next steps
- → Check rental yield if buying to let.
- → Golden Visa eligibility, properties AED 2M+ qualify for a 10-year residency.
- → Compare communities on the interactive map.
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