July 5, 2020
UAE Mortgage Affordability Calculator
Estimate your borrowing budget, down payment and purchase costs from your income and existing commitments.
4.9 ★★★★★Google Ranking
5,000+Happy Clients
15+Years of Experience
1,000+Clients in Dubai
Buying a home and wondering how much you can borrow?
Let’s find out what you’re eligible for.
Property Purchase Price
0 AED
Mortgage Loan Amount
0 AED
Down payment0 AED
Land Department fee 0 AED
Registration Trustee fee 0 AED
Mortgage Registration fee 0 AED
Bank Arrangement fee 0 AED
Real Estate Agency fee 0 AED
Mortgage Valuation fee 0 AED
Monthly Mortgage Payments
0 AED
Ask about your estimate
Send an enquiry to AST Media International. Your estimate is not a lending decision.
How is your eligibility calculated?
Monthly Income
As a rule, your loan amount is usually capped at around seven times your annual income, and total monthly payments shouldn't exceed 50% of your monthly earnings.
Monthly Debt
UAE banks assess your Debt-Burden Ratio (DBR). It's the percentage of monthly income that goes toward debts (including future mortgage). They also factor in a rate buffer.
Down Payment
First completed owner-occupied homes use 20% for residents or 15% for UAE nationals up to AED 5 million. Higher-value, subsequent and investment properties need larger deposits. Fees are additional.
Why homeowners prefer Mortgage Finder (and so will you)
You'll get the best rates
We work for you, not the banks. Truly unbiased advice focused on your best interest. Your satisfaction is how we measure success.
You'll save time
No need to negotiate with dozens of banks — we do it for you and bring the best handful of offers from 20+ UAE top banks.
You'll get VIP treatment
Secure your dream property with ease. We manage the mortgage process end-to-end, from pre‑approval to post-purchase.
Join thousands of homeowners who got their mortgage with Mortgage Finder
Muhammad Ashif
"Excellent experience with Mortgage Finder, and a special shout-out to Raj, Anita, and Raa! Raj was my main contact, and his professionalism made all the difference."
SA
"I had an excellent experience working with Omer and Natalie during my apartment purchase. Despite a few bumps, they were always available to answer my questions."
Gabriel Cordiero
"I cannot thank Charlotte and Natalie enough for their exceptional support throughout my home-buying journey. They guided me through every step."
Latest news, tips and updates on the UAE mortgage market
Stay informed with our mortgage insights
Frequently Asked Questions (FAQs)
A mortgage is a loan from a bank used to finance a property purchase. You repay the loan in monthly installments (principal + interest) over an agreed term, usually up to 25 years. The property itself serves as collateral for the lender.
UAE nationals, resident expatriates, and even non-residents can apply for a mortgage. Each category has different eligibility criteria regarding income, down payment, and documentation. We help you navigate these requirements.
Typically, UAE banks finance up to 80% of the property value for first-time UAE nationals, 75% for resident expats, and up to 70% for non-residents. The exact amount depends on your income, credit score, and existing debt obligations.
For UAE nationals, the minimum down payment is 15% for first-time buyers and 20% for additional properties. For expat residents, it's 20% for the first property and 25‑30% for subsequent ones. Non-residents generally need at least 40% down payment.
DBR (Debt Burden Ratio) is the percentage of your monthly income that goes toward debt payments (including the new mortgage). UAE banks require your DBR to stay below 50%. We help you structure your finances to meet this limit.
Yes, many UAE banks offer mortgages to self-employed applicants. You'll typically need to provide 2‑3 years of audited financial statements, bank statements, and a valid trade license. Our advisors connect you with lenders who specialize in self-employed profiles.
Common fees include: bank arrangement fee (~1% of the loan), property valuation fee (AED 2,500‑3,500), mortgage registration fee (0.25% of the loan + AED 290), and the Dubai Land Department fee (4% of property price). We provide a full breakdown upfront.
Pre-approval can be obtained in 1‑3 working days. Full approval and disbursement usually take 2‑4 weeks, depending on the bank, property valuation, and document readiness. Our team expedites the process by handling all queries on your behalf.
Yes, this is called refinancing. You can transfer your existing mortgage to another bank to secure a lower interest rate, release equity, or adjust loan terms. We compare offers from multiple lenders and manage the entire transfer process.
A mortgage advisor works for you, not the bank. We compare products from 20+ lenders, negotiate competitive rates, handle all paperwork, and ensure you get the best deal. Our service is often free – we are paid by the bank upon successful completion.
Ask about your next step
Send your question to AST Media International. Please do not include bank details or identity documents.
Independent planning tools for home financing in the UAE. Calculations are estimates, not offers or lending decisions.