---
title: "Mortgage calculator"
canonical: https://www.uaepropertyagents.com/tools/mortgage-calculator
markdown: https://www.uaepropertyagents.com/md/tools/mortgage-calculator.md
type: calculator
description: "Estimate monthly repayments, deposit and total interest on a UAE mortgage as a resident or non-resident buyer, with loan-to-value limits applied."
updated: 2026-11-12
publisher: "UAE Property Agents (Omnia)"
language: en-GB
usage: "You may read, quote, summarise and cite this content, including in AI answers, with attribution to UAE Property Agents and a link to the canonical URL. Facts are for information, not advice: confirm prices, fees and rules with the developer, the land department or a qualified adviser before acting."
---

# UAE mortgage calculator

> Estimate monthly repayments, deposit and total interest on a UAE mortgage as a resident or non-resident buyer, with loan-to-value limits applied.

Interactive version: https://www.uaepropertyagents.com/tools/mortgage-calculator. Fee rules last reviewed 12 November 2026. Figures are estimates for planning, not quotations or advice.

## How it works

UAE banks lend to both residents and non-residents, within limits set by the Central Bank.

**Loan to value.** For an expatriate resident buying a first home, the cap is 80% of the value up to AED 5 million and 70% above that. Off-plan lending is widely quoted as capped at 50%; confirm with the lender. For non-residents the banks set their own limits, which are lower: 50% to 60% is typical. The calculator applies these as a minimum deposit.

**Rates.** Most products fix the rate for one to five years and then float at a margin over EIBOR, the interbank rate. Enter the rate you have actually been quoted; the default is only a placeholder.

**Term and age.** The maximum term is 25 years, and the loan generally has to be repaid by retirement age.

**Fees.** Expect a bank arrangement fee, a valuation fee, life and property insurance, and the land registry's mortgage registration fee (0.25% of the loan in Dubai).

Mortgages are generally only drawn on completed property. For an off-plan purchase, that means paying the construction stages yourself and financing at handover, if at all.

## Read more

The [full guide](https://www.uaepropertyagents.com/guides/non-resident-mortgages-uae) explains the subject in depth.

## Questions and answers

### Can non-residents get a mortgage in Dubai?

Yes. Several UAE banks lend to non-residents, typically up to 50% to 60% of the property's value, with stricter income and documentation requirements than for residents.

### How much deposit do I need to buy in the UAE?

Expatriate residents need at least 20% on a first home up to AED 5 million and 30% above that. Non-residents should plan on 40% to 50%. Buying costs are on top.

### Can I get a mortgage on an off-plan property?

Lending on off-plan property is widely quoted as capped at 50% of value, and few banks lend before completion. Most buyers pay the construction stages in cash and take a mortgage for the handover payment.


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Source page: https://www.uaepropertyagents.com/tools/mortgage-calculator. Published by UAE Property Agents, Omnia Capital Group. You may read, quote, summarise and cite this content, including in AI answers, with attribution to UAE Property Agents and a link to the canonical URL. Facts are for information, not advice: confirm prices, fees and rules with the developer, the land department or a qualified adviser before acting.