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UAE Mortgage Calculator

Your monthly home loan payment, total cost & every upfront fee — instantly. Works for any mortgage or home loan in Dubai and across the UAE.

Indicative 2026 rates. Your actual rate depends on the bank, your profile and the property — we compare our panel 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 and a 50% planning DBR ceiling. 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
Mortgage registration 0.25% of loan + 290AED 4,290
Trustee office / Transfer Centre fees incl. VATAED 4,515
Property valuation est.AED 3,150
Title deed issuance feeAED 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 start reviewing your file within 24 hours and compare the suitable bank options — free.
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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: select your profile and the tool estimates your maximum loan using a 50% expatriate or up-to-60% UAE-national planning DBR ceiling. For a fuller check that factors in existing commitments, age and residency, use our mortgage eligibility calculator →  ·  Check your DBR first → Or compare indicative rates by bank →

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 our panel 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 office / transfer centre fee (~AED 4,515 incl. VAT), valuation (~AED 3,000) and title deed issuance. 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 our panel for you.

Work out the numbers at a specific bank

Each calculator opens on that bank’s own lowest advertised fixed rate from our bank pricing file received 21 September 2026 (Arab Bank: its October 2026 pricing, received 5 October 2026; Emirates NBD and Mashreq: their October 2026 pricing, received 3 October 2026; Emirates NBD: standard rows, for applications from 7 October 2026, separate Abu Dhabi rows start from 3.99%; Arab Bank: credit card required with salary-transfer, non-salary-transfer and self-employed loans), so the monthly figure starts from a real published number. Lowest first.

Standard Chartered is on our panel but was not in the bank pricing file we received on 21 September 2026. The only figure we hold for it is 4.29% from the 19 August 2026 set, which we have not reconfirmed, so it is left out of the rate comparisons on this site until the bank confirms its current pricing.