Tools & Insight
Property Calculators
Model your repayments, rental returns and the true upfront cost of buying in Dubai before you commit — the same numbers our advisors work from.
Run the Numbers
Clarity before commitment
Adjust the figures below and watch the results update instantly. Use the mortgage tool to size your financing, and the yield tool to test an investment case in Dubai's tax-free market.
Your Figures
Estimated Repayment
Monthly Payment
AED8,893
UAE residents can typically borrow up to 80% LTV on a first property under AED 5M; non-residents 50–60%.
Figures are indicative only and provided for guidance. Actual rates, fees, loan-to-value limits and rental returns vary by lender, developer and property. They do not constitute financial advice. Speak with one of our advisors for a tailored assessment.
Eligibility
How much a bank will lend you
UAE lenders size a mortgage around your income, existing commitments and the property's value. Estimate your ceiling below.
What Could You Borrow?
UAE lenders apply a Debt-Burden Ratio (DBR) cap: total monthly repayments — including cards and car loans — must not exceed 50% of gross monthly income. This helper assumes an 80% loan-to-value cap.
Indicative Capacity
Max Property Price
AED4,947,534
Non-residents are typically capped at 50–60% LTV, requiring a larger deposit than shown.
50%
Debt-Burden Cap
All monthly repayments combined — mortgage, cards, car and personal loans — cannot exceed half of your gross monthly income.
80%
Max LTV — Residents
Residents can borrow up to 80% on a first property under AED 5M (75% above AED 5M), meaning a 20% cash deposit minimum.
50–60%
Max LTV — Non-Residents
Overseas buyers are typically capped at 50–60% LTV, requiring a deposit of 40% or more of the purchase price.
The Market
Indicative lender rates
A snapshot of headline fixed-rate products from leading UAE banks. We introduce you to the partner whose terms best fit your profile.
| Lender | Indicative Rate | Fixed Period | Max LTV |
|---|---|---|---|
| Emirates NBD | 3.99% | 1 Year Fixed | 80% |
| ADCB | 4.24% | 3 Year Fixed | 80% |
| Mashreq | 4.49% | 2 Year Fixed | 80% |
| HSBC | 4.59% | 3 Year Fixed | 75% |
| Dubai Islamic Bank | 4.75% | 5 Year Fixed (Ijara) | 80% |
Indicative only. Rates shown are illustrative starting points, are not offers, and change frequently. After the fixed period, most products revert to a variable rate linked to EIBOR plus a margin. Your actual rate depends on residency, income, property and lender underwriting.
The Essentials
How Dubai mortgages work
Fixed vs. variable
Most buyers start on a fixed rate for one to five years for certainty, then revert to a variable rate. Variable rates track EIBOR — the Emirates Interbank Offered Rate — plus a fixed bank margin, so repayments move with the market.
Pre-approval first
Secure a mortgage pre-approval before you offer. It confirms your budget, strengthens negotiations, and is typically valid for around 60 days — after which the bank re-checks your income and credit.
Salaried vs. self-employed
Salaried applicants qualify on payslips and bank statements. Self-employed buyers usually need audited trade-licence accounts and 6–12 months of company statements, and may face slightly tighter loan-to-value limits.
Deposit & fees are cash
The bank funds the loan, but your deposit and the ~7–8% of transaction costs — DLD, agency, registration and bank fees — must be paid in cash and cannot be added to the mortgage.
One Property, One Realtor
Let's pressure-test your numbers.
A senior advisor will review your figures, introduce vetted mortgage partners, and model the full cost of ownership — privately and without obligation.