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UAE Mortgage Calculator
Calculate your monthly payment, loan amount and total cost for any Dubai property — for residents and non-residents.
Mortgage Calculator
Calculate Your Monthly Payment
Instant estimate for UAE property financing
Monthly Payment
AED 8,893
per month for 25 years at 4.5%
Loan Amount
80% LTV
AED 1,600,000
Total Interest Paid
Over full loan term
AED 1,067,996
Total Repayment
Principal + interest
AED 2,667,996
DLD Registration Fee
4% of purchase price (buyer pays)
AED 80,000
* Indicative estimate only. Actual rates and eligibility depend on your bank and financial profile.
How UAE Mortgages Work for International Buyers
Who can get a mortgage?
Any foreign national can apply for a mortgage in the UAE to buy freehold property. Banks assess your income, employment type, existing liabilities and credit history. Both employed and self-employed applicants qualify — though self-employed buyers may need 2 years of audited accounts.
LTV limits set by the Central Bank
The UAE Central Bank caps LTV for resident expatriates at 80% on a first home up to AED 5M, 70% above AED 5M and 60% on a second or investment property; off-plan is 50% for any buyer. The regulation has no non-resident category, so each bank sets its own limit — typically 50–60% — and a non-resident should budget a 40–50% deposit.
Fixed vs. variable rates
Most UAE banks offer a fixed rate for the first 1–5 years (advertised from about 4% to 5% for residents in October 2026), then switch to a variable rate linked to EIBOR (Emirates Interbank Offered Rate). Fixing for longer gives predictability; variable rates move with EIBOR, which rose after the Central Bank raised its Base Rate to 3.90% in September 2026.
Pre-approval before you search
Getting a mortgage pre-approval letter before you sign an MOU is strongly recommended. It confirms your budget, speeds up the transaction (cash-equivalent for the seller), and prevents losing your 10% deposit if the bank later declines.
Full Cost of Buying with a Mortgage in Dubai
Based on a AED 2,000,000 property with 20% down payment
| Cost item | Amount | Notes |
|---|---|---|
| Down Payment (20%) | AED 400,000 | Resident minimum, first home up to AED 5M; non-residents typically 40–50% |
| DLD Registration Fee | AED 80,000 | 4% of purchase price |
| Agent Commission | ~AED 40,000 | 2% + VAT (buyer side) |
| Mortgage Registration | AED 4,270 | 0.25% of loan + AED 250 deed + AED 20 fees |
| Bank Arrangement Fee | ~AED 16,000 | 1% of loan amount |
| Property Valuation | AED 2,500–3,500 | Required by the bank |
| Trustee Fee + Title Deed | AED 4,470 | AED 4,000 + VAT, AED 250 deed, AED 20 fees |
| Total upfront cost | ~AED 548,000 | ~27% of property price |
Frequently Asked Questions
Can non-residents get a mortgage in the UAE?
Yes. UAE banks offer mortgages to non-residents on freehold properties in designated zones (Dubai Marina, Downtown, Palm Jumeirah, Business Bay and many more). The non-resident loan-to-value limit is each bank's own policy, typically 50–60% of the property value, so plan for a 40–50% down payment. UAE residents can borrow up to 80% on a first home up to AED 5M. See our full Dubai mortgage guide for non-residents for eligibility, rates, documents and banks.
What is the minimum down payment for a mortgage in Dubai?
The UAE Central Bank requires a minimum 20% down payment for resident expatriates on a first home up to AED 5M (30% above AED 5M, 40% on an investment property, 50% on off-plan for everyone). It sets no non-resident limit: each bank does, typically 50–60% LTV, so non-residents should plan for 40–50%. You must also budget for the DLD registration fee (4% of purchase price) on top of your down payment.
What interest rates do UAE banks offer foreigners?
Advertised rates in October 2026 start from about 4% per annum (ADCB from 3.99%, HSBC 4.05% fixed, ADIB non-resident finance from 3.99%), with Mashreq's representative one-year fixed rate at 5.00%. Most are resident rates; non-resident pricing usually carries a premium, and variable rates price off EIBOR, which rose after the Central Bank raised its Base Rate to 3.90% in September 2026. Rates can be fixed (for 1–5 years) or variable. A mortgage broker can compare rates across 15+ banks simultaneously.
What is the maximum mortgage term in the UAE?
The maximum loan term is 25 years. The mortgage must be fully repaid before you turn 65 (employed) or 70 (self-employed). Most non-residents are offered up to 25 years, subject to approval.
What additional costs should I budget for when buying in Dubai?
Beyond the purchase price: DLD registration fee (4%), agent commission (~2%), registration trustee fee (AED 4,000 + VAT), title deed (AED 250) plus knowledge and innovation fees (AED 10 each), mortgage registration (0.25% of loan plus the same fixed fees), bank arrangement fee (0.5–1%), and property valuation (AED 2,500–3,500). Total transaction costs typically add 6–8% on top of the price.
Ready to Get Pre-Approved?
Our advisors compare rates across 15+ UAE banks and handle the full mortgage application — at no cost to you.