Mortgage Calculator
Estimate your monthly payments and total costs. Adjust the inputs to model different scenarios.
Mortgage Details
Enter your property and loan details below.
Current value: AED 1,500,000
Your Estimate
Results update in real time as you adjust the sliders.
Loan Amount
AED 1,200,000
80% of property value
Monthly Payment
AED 6,670
Estimated monthly instalment
Total Repayment
AED 2,000,997
Over 25 years
Total Interest
AED 800,997
At 4.5% per annum
Payment Breakdown
UAE Mortgage: What to Know
LTV Limits
The UAE Central Bank caps mortgages at 80% LTV for expats (20% min. deposit) and 85% for UAE nationals on properties up to AED 5 million.
Maximum Term
UAE mortgages can run up to 25 years. The borrower must be no older than 65 (salaried) or 70 (self-employed) at the end of the loan term.
Rates
UAE mortgage rates are typically EIBOR-based (variable) or fixed for an initial period (1–5 years). Rates generally range from 3.5% to 6%+ depending on lender and profile.
Additional Costs
Factor in Dubai Land Department fees (4%), agency fees (2%), mortgage registration (0.25%), and valuation fees. These are not included in the calculator above.
Disclaimer: This calculator provides estimates for illustrative purposes only and does not constitute financial advice. Actual mortgage terms, rates, and eligibility will vary by lender and individual circumstances. Contact our advisors for a personalised illustration.