Tools & Resources
Mortgage Calculator
See your monthly repayment, how much cash you need upfront and the most you can borrow under UAE rules.
Your details
Monthly repayment
AED 6,670
Over 25 years
Loan amount
AED 1,200,000
80% of the price
Cash needed upfront
AED 382,740
Down payment plus fees
Total interest
AED 800,997
Total repaid AED 2,000,997
| Item | Amount |
|---|---|
| Down payment (20%) | AED 300,000 |
| DLD transfer fee | AED 60,000 |
| Mortgage registration | AED 3,270 |
| Trustee office fee (incl. VAT) | AED 4,200 |
| DLD administration and title deed | AED 270 |
| Bank arrangement fee | AED 12,000 |
| Valuation fee | AED 3,000 |
| Total cash needed upfront | AED 382,740 |
Assumptions & sources
Every figure this calculator uses. “Official” figures come from the named authority; “Typical, confirm” figures vary by provider and should be checked before you commit. Last reviewed 22 October 2026.
DLD property transfer fee
4%
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD sets 2% for the buyer and 2% for the seller. In practice the buyer usually pays the full 4%; it is negotiable, so this estimate charges 4% to the buyer.
DLD knowledge and innovation fees, ready unit
AED 20
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026AED 10 knowledge fee plus AED 10 innovation fee.
DLD knowledge and innovation fees, off-plan unit
AED 20
OfficialDubai Land Department: initial (off-plan) sale registration (opens in a new tab)Last reviewed 22 October 2026AED 10 knowledge fee plus AED 10 innovation fee on the initial (Oqood) sale registration.
Title deed issuance fee
AED 250
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026Title deed certificate issuance. Applied to ready units only; off-plan units receive a title deed on handover.
Trustee fee price threshold
AED 500,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026Properties below this price pay the lower trustee fee; at or above it, the higher fee.
Trustee office fee, price below AED 500,000
AED 2,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD service partner (registration trustee) fee, before VAT.
Trustee office fee, price AED 500,000 or more
AED 4,000
OfficialDubai Land Department: property sale registration (opens in a new tab)Last reviewed 22 October 2026DLD service partner (registration trustee) fee, before VAT.
Mortgage registration fee, share of the loan
0.25%
OfficialDubai Land Department: mortgage registration (opens in a new tab)Last reviewed 22 October 2026Charged on the mortgage value when the mortgage is registered.
Mortgage registration, fixed DLD fees
AED 270
OfficialDubai Land Department: mortgage registration (opens in a new tab)Last reviewed 22 October 2026AED 250 title deed issuance plus AED 10 knowledge and AED 10 innovation fees. A separate service partner fee may also apply; confirm with your trustee.
Bank arrangement fee, share of the loan
1%
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026Banks charge up to 1% of the loan; many charge less. Confirm with your lender.
Property valuation fee
AED 3,000
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026Typically AED 2,500 to 3,500 depending on the bank and property.
VAT on fees and commission
5%
Applied to the trustee fee and the agency commission.
Price at which the higher-value LTV caps apply
AED 5,000,000
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum LTV, expat first home up to AED 5M
80%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum LTV, expat first home above AED 5M
70%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum LTV, expat second home or investment property
60%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Regardless of value.
Maximum LTV, UAE national second home or investment property
65%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Regardless of value.
Maximum LTV, UAE national first home up to AED 5M
85%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum LTV, UAE national first home above AED 5M
75%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum LTV, off-plan property
50%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Regardless of purpose, value or buyer category.
Maximum debt burden, share of monthly income
50%
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Total monthly debt payments, including the new mortgage. Banks also stress-test the rate 2 to 4 points higher.
Maximum mortgage term
25 years
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026Maximum age at maturity, expats
65 years
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026CBUAE leaves this to each lender; 65 is common. Not applied in the calculation.
Maximum age at maturity, UAE nationals
70 years
Typical, confirmUAE bank tariffs (confirm with your lender) (opens in a new tab)Last reviewed 22 October 2026CBUAE leaves this to each lender; 70 is common. Not applied in the calculation.
Loan limit as a multiple of annual income, expats
7×
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026CBUAE maximum financing amount; used for the affordability estimate.
Loan limit as a multiple of annual income, UAE nationals
8×
OfficialCBUAE Regulations Regarding Mortgage Loans, Article 3 (as amended 2020) (opens in a new tab)Last reviewed 22 October 2026CBUAE maximum financing amount; used for the affordability estimate.
Estimates only — not financial advice. Confirm fees with your trustee office and bank.