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UAE Mortgage Calculator

Your monthly payment, total cost & every upfront fee — instantly.

Indicative 2026 rates. Your actual rate depends on the bank, your profile and the property — we compare 28 banks to find your best.

Estimated monthly payment
AED 9,490/mo
Loan AED 1,600,000 · 80% LTV
You could borrow up to
AED 0
Enough to buy a home up to AED 0 (at 80% financing)

Based on a monthly payment of about AED 0 — banks generally cap your total repayments at ~50% of income. Assumes no other loan commitments. Your exact figure depends on the bank — we'll confirm it free.

Compare rate options & total cost
3-yr fixed
AED 0
3.99%
5-yr fixed
AED 0
4.15%
Variable
AED 0
4.49%
Total cost over 25 years · at 3.99%AED 0
Principal AED 0Interest AED 0

Upfront costs to buy

Down paymentAED 400,000
DLD transfer fee 4% of valueAED 80,000
Agency commission 2% + VAT, if applicableAED 42,000
Mortgage registration 0.25% of loan + 290AED 4,290
Trustee / transfer office feeAED 4,200
Property valuation est.AED 3,150
Title deed issuanceAED 580
Total upfront cash requiredAED 534,220
Insurance — estimated, paid monthly with your EMI
Property insurance est.AED 67/mo
Life insurance est.AED 480/mo

Figures are indicative estimates for guidance only; government fees vary by emirate and final costs are confirmed by the bank. Mortgease is commission-free — you pay us nothing.

Like these numbers? Get them as a personalised proposal. A senior advisor will compare 28 banks and send you your real, best rate — free, in 24 hours.
Get my proposal

How the mortgage calculator works

Enter the property value, your down payment and the loan term, and the calculator estimates your monthly payment using the standard amortising-loan formula — the same maths UAE banks use. It also breaks down every upfront cost (the 4% Dubai Land Department fee, mortgage registration, trustee and valuation fees) and shows your total cost of finance over the full term, so there are no surprises.

Switch to "How much can I borrow?" to work backwards from your salary: enter your monthly income and the tool estimates your maximum loan and the property price you can target, based on the typical 50% debt-burden limit UAE banks apply.

Mortgage calculator FAQs

How accurate is this calculator?
It gives a close indicative estimate using standard bank maths and current 2026 rate ranges. Your exact payment depends on the bank, your profile and the property — we confirm the real figure free when we compare the 28 banks for you.
What deposit do I need in the UAE?
Residents typically need from 20% down on a home under AED 5M (30% above AED 5M); non-residents usually 40–50%. Adjust the down-payment slider to see the effect on your loan and payment.
What are the upfront costs of buying?
Beyond the deposit: a 4% DLD transfer fee, ~0.25% mortgage registration, a trustee fee (~AED 4,200), valuation (~AED 3,000), and agency commission (2%) where it applies. The calculator totals these for you.
What interest rate should I use?
UAE mortgage rates in 2026 generally run about 3.75–4.5% depending on fixed vs variable and your profile. The calculator pre-fills a typical rate and shows 3-year fixed, 5-year fixed and variable scenarios side by side.
Does using this cost anything or commit me?
No. The calculator is free and there's no obligation. If you'd like your real best rate, request a free personalised proposal and a senior advisor will compare 28 banks for you.