FREE TOOL · DUBAI 2026
Estimate your monthly payments, total interest, and buying costs instantly — with UAE-specific LTV rules and DLD fees built in.
Current UAE rates typically range 3.99% – 5.5%
Max 25 years for expats
ESTIMATED MONTHLY PAYMENT
over 25 years
AFFORDABILITY CHECK
CONNECTING YOU WITH OVER 20 MAJOR BANKS IN DUBAI AND THE UAE
SIMPLE PROCESS
Share your finances, income and property goals with our advisors.
We present the best rates from all major UAE lenders side by side.
Receive your Mortgage In Principle within 2 business days.
We handle all paperwork until the transfer is complete.
Ready to find your best mortgage rate? Talk to an expert today.
Get Free Mortgage AdviceMORTGAGE ADVISORY · DUBAI
Connect with the UAE's top lenders — ADCB, Emirates NBD, FAB, Mashreq, RAK Bank and more. We find you the best rate.
From pre-approval to final transfer, our advisors handle the paperwork so you don't have to.
Expat or UAE national, off-plan or ready property — we match you with the right mortgage product.
RERA-certified guidance. We work for you, not the banks — our recommendations are 100% independent.
Get your Mortgage In Principle within 48 hours so you can make offers with confidence.
Access exclusive bank rates not available to walk-in customers. We negotiate on your behalf.
WHAT WE OFFER
For UAE residents — expat or national. Borrow up to 80% LTV on properties under AED 5M with competitive fixed or variable rates.
For overseas investors looking to buy Dubai property. Finance up to 50% LTV without needing a UAE residence visa.
Financing solutions for commercial properties, retail units, warehouses, and investment portfolios across the UAE.
Release equity from existing UAE properties or refinance your current mortgage to access better rates and lower payments.
MORTGAGE ADVISORY · ASTRATERRA
Expat or UAE National — we have the right mortgage for you.
WhatsApp Joseph NowExpats: Up to 80% LTV for properties ≤AED 5M; 70% for above AED 5M.
UAE Nationals: Up to 85% LTV for properties ≤AED 5M; 75% for above AED 5M.
DLD Fee: 4% of property value + AED 580 registration.
Agent Commission: 2% of property value.
Mortgage Registration: 0.25% of loan amount. Plus bank processing fees and valuation (~AED 3,000).
Minimum monthly salary of AED 15,000 required by most banks.
Maximum borrower age of 65 years at the end of the mortgage term.
DBR (Debt Burden Ratio) capped at 50% of gross monthly salary.
Start by entering the property price — the agreed purchase price or listing price of the Dubai property you are buying. Next, set your down payment percentage. UAE Central Bank rules require a minimum 20% down payment for expat residents on properties under AED 5 million, and 15% for UAE nationals. Non-residents purchasing as overseas investors should note that the minimum rises to 25%.
The interest rate field lets you model different rate scenarios. In 2026, most UAE banks offer variable rates starting around 4.5% and fixed rates from 4.2% for a 1-year term. The loan tenure (up to 25 years for expats, 30 years for UAE nationals) affects both your monthly payment and total interest paid — a longer tenure lowers monthly payments but increases total interest cost significantly.
Once you enter your inputs, the calculator instantly shows your estimated monthly payment — the amount you pay to the bank each month. The total interest figure shows how much extra you pay over the life of the loan beyond the principal borrowed. Total cost (total repayment) is the loan amount plus all interest. The buying costs section also includes DLD fees (4%), agent commission (2%), and mortgage registration (0.25%) so you can see the full financial picture.
Major lenders in Dubai include Emirates NBD, Abu Dhabi Commercial Bank (ADCB), Mashreq, HSBC UAE, and Dubai Islamic Bank (DIB). Rates vary by bank, residency status, and borrower profile.
25% minimum down payment required. Most major UAE banks offer non-resident mortgages for properties in freehold zones.
For properties under AED 5 million. Above AED 5M the maximum drops to 70% LTV regardless of residency.
Most banks require a minimum monthly income of AED 15,000 for UAE residents. Self-employed applicants typically need 2 years of audited accounts.
UAE residents can obtain mortgages with up to 80% loan-to-value (LTV) for properties under AED 5 million. Non-residents and NRIs qualify for up to 75% LTV. Average variable interest rates in 2026 are 4.5–5.5%, while fixed rates range from 4.8–5.8%. Most banks require a minimum monthly salary of AED 15,000. Pre-approval typically takes 2–4 weeks. Maximum tenure is 25 years for expats and 30 years for UAE nationals.
Source: UAE Central Bank, DLD, Astraterra market analysis 2026 · View all Dubai market data →