Mortgage calculator UAE
Enter the purchase price, the deposit, the term and a rate, and this page estimates the monthly repayment. The rate starts as our indicative figure, which you can replace. It is not a named bank's rate and it is not an offer. The bank still has to agree to lend.
Rates from 4.35% (as of 14 Nov 2026). Rates change, so speak to an adviser for today's best rate. Michael Melim, Head of Mortgages, confirms this figure each month. This is not a specific bank's rate, and it is not an offer.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
Need help or ready to proceed?
Worked example, not a quote
On a AED 2,000,000 purchase with a AED 1,600,000 loan, the published Land Department figures come out as follows. Change the price in the calculator and the same rates apply. This is not a bank offer.
| Sale registration, 4% | AED 80,000 |
|---|---|
| Mortgage registration, 0.25% | AED 4,000 |
| Title deed | AED 250 |
| Knowledge and innovation fees | AED 20 |
| Trustee service fee, plus VAT | AED 4,000 |
The trustee line is the service-partner fee the Land Department publishes for an ordinary mortgage. Arrangement fees and the valuation are not in this table.
What the estimate includes
The repayment is a standard amortising calculation on the amount you borrow. It does not add life insurance, a bank fee, or a change in the rate after a fixed period.
If you type a higher rate, the repayment rises. That is the useful part. A three-year fixed rate and the variable rate that follows it are different numbers, and only the offer letter sets them.
Residency and how much you can borrow
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.
Residency is a separate question from those ceilings. The Central Bank splits buyers into UAE nationals and expatriates. It does not publish a third cap labelled non-resident. Each bank then applies its own credit rules inside the ceiling.
Cash you need on top of the deposit
The Dubai Land Department fee for registering a sale is 4% of the purchase price. Registering the mortgage itself is 0.25% of the mortgage amount. The same service lists AED 250 to issue the title deed, and AED 10 knowledge and AED 10 innovation fees. A trustee office that registers the mortgage is shown at AED 4,000 plus VAT. The bank's arrangement fee and valuation fee are extra, and they are written in the offer.
The table under the calculator uses the price and the loan you have entered. Arrangement fees and the valuation fee are left out, because they are not a published flat tariff.
Questions
No. It estimates a repayment from the numbers you type. A bank offer is a separate document, after the bank has looked at you and at the property.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.
The Dubai Land Department fee for registering a sale is 4% of the purchase price. Registering the mortgage itself is 0.25% of the mortgage amount. The same service lists AED 250 to issue the title deed, and AED 10 knowledge and AED 10 innovation fees. A trustee office that registers the mortgage is shown at AED 4,000 plus VAT. The bank's arrangement fee and valuation fee are extra, and they are written in the offer.
No. Some lenders cut the rate if your salary is paid into an account with them. That condition is not in the repayment figure. Ask the adviser to price the loan with and without it.