Tools

Mortgage Affordability Calculator

How much can you actually borrow? UAE banks weigh more than your salary. They look at every debt you carry, your residency status, whether this is your first mortgaged property, and the property’s price band. Two hard ceilings sit behind all of it: a maximum loan-to-value ratio, and a 50% debt-burden ratio set by the Central Bank.

This calculator builds your real picture — every applicant, every income source, every liability — and shows the maximum you’re likely able to borrow. Not what you’d like it to be.

These are illustrative baselines. Your bank may apply its own overlays. A good mortgage broker often finds workarounds a calculator can’t see.

Section 1 — Applicants

Applicant 1

Name / labelAgeyearsYour loan term is capped by your age at maturity, not just the standard 25-year term — see Section 4.

Residency status

Employment type

Annual income (base salary)

Currency

Additional income sources

Rental income is subject to a mandatory 2-month vacancy deduction by UAE banks before it counts toward your income — this calculator applies that automatically.

Section 2 — Liabilities

All liabilities must be declared — banks cross-check via the UAE Al Etihad Credit Bureau, and undisclosed debt can void an approval.

Section 3 — Overseas treatment

Include overseas income and liabilities in this illustration?

Some UAE banks disregard overseas debts entirely for residents — but if they do, overseas income (like rental from a home-country property) typically can’t be counted either. This varies by lender; a broker can confirm which applies to you. Toggling this off removes every item tagged ‘Overseas’ from both income and liabilities together.

Section 4 — The property & mortgage

Property

Property valueAED

Property status

Is this the first property any applicant will hold a mortgage on?

Properties above AED 5,000,000 sit in a lower LTV tier than properties at or below that threshold — even for a first mortgage. This step-down exists because higher-value properties carry more market volatility risk in the bank’s view.

Mortgage

Mortgage termyearsYour term is limited to 25 years or until you reach age 65 (expat / non-resident), whichever comes first — based on the oldest applicant’s age entered above.Interest rate% / yrReflects the current market median as of 1 January 1970 — your actual rate depends on the bank, your profile, and negotiated terms. Adjust freely to test scenarios.Broker commission at purchaseAEDOptional — include it here if you want it counted in the cash required at signing.

Section 5 — Results

Maximum borrowable amount

AED 2,000,000

Your loan-to-value ceiling is the limiting factor here, not your income.

Expat Resident, first property, ≤AED 5M → 80% LTV

Loan-to-value ceiling

LTV tier applied80%

Expat Resident, first property, ≤AED 5M → 80% LTV

Maximum loan by LTVAED 2,000,000

Effective term25 years

Debt burden ratio (50% cap)

Combined monthly incomeAED 50,000

After overseas exclusions and the 2-month rental haircut.

50% of incomeAED 25,000

Existing monthly liabilitiesAED 0

Room for a new paymentAED 25,000

Maximum loan by DBRAED 4,741,270

Payment at the maximum

Monthly paymentAED 10,546

Annual paymentAED 126,548

Year 1 interestAED 78,936

Year 1 principalAED 47,613

Cash required at signing

Down paymentAED 500,000

Mortgage registration (0.25% + AED 290)AED 5,290

DLD transfer fee (4%)AED 100,000

Broker commissionAED 0

Total cash at signingAED 605,290

Since February 2025, UAE banks are prohibited from financing these fees into your mortgage — they must be paid upfront in cash, on top of your down payment.

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This calculator is for illustrative purposes only and does not constitute financial, legal, or tax advice. Loan-to-value tiers follow Central Bank Circular 31/2013 conventions; non-resident tiers are typical bank overlays rather than fixed regulation. Individual banks apply their own income, employment and credit overlays. Please seek independent professional advice before committing to a mortgage.