UAE mortgage calculators
A UAE mortgage calculation has three inputs that matter: the price, the deposit your residency status requires, and the term your age allows. Change any one and the monthly figure moves sharply, which is why modelling before you shortlist saves far more time than negotiating afterwards.
Remember that the deposit is not the whole cash requirement. Budget roughly 4% Dubai Land Department transfer fee, agency commission, mortgage registration and valuation on top of the down payment. The calculators below fold those into the picture so the number you plan around is the number you actually need.
Use the repayment tab to size the monthly commitment, the affordability tab to work backwards from income, and the refinance tab if you already hold a loan and want to test whether switching lenders is worth the settlement cost.
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What we need to get you an answer
- Monthly repayment across different terms
- Affordability from income and existing liabilities
- Total cash needed including DLD and registration
- Refinance saving versus settlement cost
From 3.75% p.a.
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Indicative figures only. Final rates and approvals are subject to bank assessment, eligibility and UAE Central Bank guidelines.
How It Works
From application to keys in hand-we make the mortgage process simple and stress-free
Get to Know You
We understand your financial situation, goals, and eligibility to find the best mortgage options for you.
Unlock Your Options
Access 20+ banks and compare rates, terms, and conditions. We negotiate on your behalf for the best deal.
Get Pre-Approved
We handle all the paperwork and documentation. Receive your pre-approval within 48 hours.
Close on Your Home
Final approval, property valuation, and closing support. We're with you until you get the keys.
Run the numbers
Estimate your monthly payment, total cost, or refinance savings before you commit.
Mortgage Calculator
Calculate your monthly payments and see how much you can afford
Calculate Your Mortgage
Adjust the sliders to see your estimated payments
Your Monthly Payment
Loan Amount
AED 1,600,000
Total Interest
AED 1,203,236
Total Payment
AED 2,803,236
Check Your Eligibility
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Get Pre-Qualified Today
Complete this quick form and receive your pre-qualification within 48 hours
Property Details
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Mortgage calculators, common questions
How much deposit do I need for a Dubai property?
UAE residents typically need 20% for a first property under AED 5M; non-residents usually need at least 40%. Transaction costs of roughly 6–7% of the price sit on top.
How is a UAE mortgage payment calculated?
On a standard amortising basis: loan amount, interest rate and term produce a level monthly instalment covering interest and principal, with the balance falling faster in later years.