MORTGAGE & HOME LOANS

    Dubai Mortgage Calculator

    & UAE Home Loan Guide

    Calculate your monthly repayments instantly. Then read our complete guide to getting a mortgage in Dubai — rates, banks, LTV ratios, and everything expats need to know.

    Mortgage Calculator

    Finance Tools

    Mortgage Calculator

    AED 2,000,000
    AED 300KAED 50M
    20% (AED 400,000)
    5%80%
    4.5%
    1%12%
    25 years
    5 yrs25 yrs

    Monthly Payment

    AED 8,893

    per month

    Loan Amount

    AED 1,600,000

    Total Interest

    AED 1,067,996

    Total Payment

    AED 2,667,996

    Down Payment (%)

    AED 400,000

    * This calculator provides estimates only and does not constitute financial advice. Actual rates and terms may vary by bank. UAE Central Bank regulations require a minimum 20% down payment for expats (15% for UAE nationals) on properties under AED 5M.

    Complete Guide to Dubai Mortgages

    Who Can Get a Mortgage in Dubai?

    Both UAE residents and non-residents (expats living abroad) can get a mortgage in Dubai. Residents typically qualify for LTV ratios of 75–80%, while non-residents are limited to 50–65%. Banks that lend to non-residents include Emirates NBD, ADCB, ENBD, Mashreq, and Dubai Islamic Bank. Minimum property value is typically AED 1,000,000 for non-resident financing.

    Current UAE Mortgage Rates (2026)

    UAE mortgage rates are either fixed or variable (linked to EIBOR — the Emirates Interbank Offered Rate). Fixed rates for 1–5 years typically range from 3.99% to 5.49% p.a. Variable rates follow EIBOR + 1.5–2.5%. Most borrowers opt for a fixed rate for the first 3–5 years for predictability. Islamic (Murabaha/Ijara) mortgages are also available and structurally competitive.

    Down Payment Requirements

    UAE regulations (CBUAE): For properties under AED 5M — residents need 20% down (first home), 30% for investment. Non-residents need 25–35%. For properties over AED 5M — 30% (residents) and 35–40% (non-residents). Off-plan mortgages typically require 50% down or a construction-linked payment plan. Developer financing can reduce initial cash requirements.

    Required Documents

    Salaried: passport, visa (residents), Emirates ID, 3–6 months bank statements, salary slips, employment letter. Self-employed: same + 2 years audited financial statements, trade licence. Non-residents: passport, 6 months home-country bank statements, proof of income, credit report from home country. Some banks also require a UAE credit report if you have any prior UAE financial history.

    Costs to Budget For

    Beyond the down payment: Arrangement fee (0.5–1% of loan), DLD registration fee (0.25% of loan value), property valuation fee (AED 2,500–3,500), property insurance (0.1–0.2%/year), life insurance (required by some banks, 0.1–0.3%/year), and legal fees (AED 5,000–10,000 for mortgage deed). Budget approximately 3–5% of property value for total transaction costs.

    Mortgage Timeline

    Pre-approval: 2–5 business days (after submitting documents). Formal approval: 7–14 days (after property valuation is done). Bank transfer to seller/DLD: 1–2 days after approval. Total from application to transfer: typically 3–5 weeks for ready properties. Off-plan mortgages may take longer as they depend on construction milestones.

    Banks

    Top Banks for Dubai Mortgages

    Emirates NBD

    From 3.99%

    Market leader, strong expat program

    ADCB

    From 4.25%

    Competitive rates, fast approval

    Mashreq

    From 4.10%

    Good for self-employed

    Dubai Islamic Bank

    From 4.05%

    Sharia-compliant Islamic finance

    Abu Dhabi Commercial Bank

    From 4.30%

    Strong non-resident program

    HSBC UAE

    From 4.15%

    International clients, premium service

    * Rates as of 2026. Terms depend on borrower profile and property type.

    FAQ

    Frequently Asked Questions

    Can I get a mortgage in Dubai as an expat or non-resident?
    Yes. UAE banks lend to both resident expats and non-residents living abroad. Residents can borrow up to 80% LTV (first home under AED 5M). Non-residents are limited to 50–65% LTV and need a minimum property value of AED 1,000,000. Banks like Emirates NBD, ADCB, and HSBC have specific non-resident mortgage programs.
    What is the current mortgage rate in Dubai?
    As of 2026, Dubai mortgage rates range from approximately 3.99% to 5.49% p.a. for fixed-rate products (1–5 year fix). Variable rates are linked to EIBOR (currently ~5%) plus a bank margin of 1.5–2.5%. The total effective rate for variable mortgages is typically 6.5–7.5% p.a. Fixed rates offer more certainty for the initial term.
    How much deposit do I need for a Dubai mortgage?
    UAE Central Bank rules: 20% minimum for residents buying their first home under AED 5M (80% LTV). 25–35% for non-residents on the same property value. 30% for residents buying an investment property. For properties over AED 5M, the minimum deposit is 30% (residents) or 35–40% (non-residents).
    What documents do I need to apply for a UAE mortgage?
    Salaried applicants need: passport, 3–6 months bank statements, last 3 salary slips, and employer letter. Self-employed need 2 years of audited accounts and trade licence. Non-residents add a credit report and income proof from their home country. All documents typically need to be within 3 months of application.
    Is it better to get a fixed or variable rate mortgage in Dubai?
    Fixed rates (typically 3.99–5.49% for 1–5 years) give payment certainty and protect against rate rises. Variable rates (linked to EIBOR) can be lower when rates fall but create uncertainty. Most financial advisors recommend fixing for the first 3–5 years, especially for primary residences where budget certainty matters.
    Can I get a mortgage for an off-plan property in Dubai?
    Off-plan mortgages are available but less common. Most buyers of off-plan use developer payment plans (typically 40–60% during construction + 40–60% on handover). Some banks offer construction-linked mortgages that release funds at milestones. The minimum LTV is typically 50%, requiring a 50% down payment.
    How long does it take to get mortgage approval in Dubai?
    Pre-approval (also called approval-in-principle): 2–5 business days with complete documents. Full formal approval after property valuation: 7–14 days. The entire process from application to fund transfer typically takes 3–5 weeks for ready properties.
    What are all the costs involved in getting a Dubai mortgage?
    Down payment (20–35% of property value) + DLD transfer fee (4% of property value, typically split buyer/seller) + DLD mortgage registration fee (0.25% of loan) + bank arrangement fee (0.5–1% of loan) + property valuation (AED 2,500–3,500) + insurance. Total transaction cost beyond purchase price: approximately 3–5% of property value.

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    Dubai Mortgage Calculator 2026 | UAE Home Loan Guide | Binayah