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Estimate Your Monthly Payments Instantly.
Calculate your mortgage repayments in seconds and understand exactly how much you can borrow in the UAE property market.
Mortgage Calculator.
Estimate your monthly EMI, total interest, and amortization on a UAE home loan, calibrated to your residency profile and current market rates.
Mortgage Calculator
Purchase Price
AED
AED 300,000
AED 200,000,000
Residency Type
Employment Type
Down Payment
%
20%
80%
Loan Amount
AED
AED 240,000
AED 960,000
Loan Period
yr
5 yrs
25 yrs
Interest Rate
%
1%
10%
Estimate Summary
Monthly EMI
AED 4,936
UAE Resident · 3.75% · 25y
35%
Interest
Get Free Mortgage Approval
First Name
Last Name
Email Address
Phone Number
How your loan plays out.
A clear-eyed view of the long-term picture: how inflation softens your fixed EMI year after year, and how small pre-payment adjustments compound into substantial savings.
Pre-payment Strategies
Small monthly extras, considerable savings
01
Extra Payment
+AED 500/mo
Saves
AED 82,180
3y 6m earlier
02
Extra Payment
+AED 1,000/mo
Saves
AED 141,335
6y 2m earlier
03
Extra Payment
+AED 2,000/mo
Saves
AED 221,218
9y 10m earlier
04
Extra Payment
+AED 5,000/mo
Saves
AED 336,058
15y 4m earlier
Most UAE banks allow up to 20% pre-payment per year without penalty. An advisor can negotiate softer terms before signing.
Real Purchasing Power
Inflation works in your favour
Nominal
Real
At UAE's ~3.5% inflation baseline, the real cost of your fixed EMI quietly erodes year after year.
Important
- Numbers shown are estimates. They do not include bank-specific fees, life insurance (typically required), DEWA / Ejari setup, or selling costs.
- Rates shown are estimation defaults. Actual bank rates depend on your profile, market conditions, and the EIBOR-linked variable period that follows any fixed-rate window.
- Final approval depends on bank underwriting and credit history. Speak with one of our licensed mortgage advisors before committing.
— Built For UAE Buyers —
Why use our UAE mortgage calculator?
Six reasons our calculator gives you a clearer view of UAE home loans than any spreadsheet.
Instant Repayment Estimates
Get monthly repayment figures in seconds, no waiting, no spreadsheets.
UAE Bank Rate Comparisons
Benchmark rates across 20+ UAE banks to spot the best fit for your profile.
Mortgage Eligibility Insights
Understand your borrowing capacity before you commit to a property.
Affordability Calculations
Plan your budget against income, expenses, and existing obligations.
Support for Expats & Residents
Personalized guidance for UAE nationals, residents, and non-resident buyers.
Plan Your Property Budget
Test scenarios, different prices, tenures, and rates, side by side.
— Resources & Guides —
Explore more UAE mortgage & property resources.
A curated index of guidance and tools to help you move from research to a confident purchase.
01 ·Advisory
Mortgage Advice
Expert guidance on UAE mortgages, first-time, refinance, equity.
02 ·Enquiries
Property Enquiries
Dubai, Abu Dhabi & UAE property guidance, we'll connect you.
03 ·Insights
Investment Guides
UAE property investment insights, market trends, and yield analysis.
04 ·Getting Started
First-Time Buyer Guides
Step-by-step buying support, eligibility, deposit, paperwork.
Important Disclaimer
This is an estimate, not financial advice.
Actual monthly repayment, total interest and approval terms may vary depending on bank policies, prevailing rates, and credit assessment.
Talk to an NHFB advisor
— FAQs —
Frequently asked questions about UAE mortgages.
Quick answers to the questions our buyers ask most often before they apply.
How accurate is a mortgage calculator?
A mortgage calculator provides a close estimate based on the inputs you enter, loan amount, interest rate, and tenure. Final figures may vary slightly depending on the bank's processing fees, risk-profile assessment, and the exact interest rate offered after underwriting.
What interest rate should I use in the UAE?
UAE mortgage rates typically range between 3% and 5% per annum. Use an average rate (around 4%) for an initial estimate, or adjust based on the specific bank you're considering for a more precise calculation.
Can foreigners get mortgages in Dubai?
Yes, foreigners and expatriates can get mortgages in Dubai and across the UAE. Banks offer home financing to non-residents and residents, subject to eligibility, income verification, and down-payment requirements.
Does the calculator include all fees?
No, the calculator estimates only the monthly mortgage repayment. It does not include additional costs such as property registration fees, bank arrangement fees, valuation fees, or mortgage insurance.
How much down payment is required in the UAE?
Down payment depends on buyer type and property value. Expats: minimum 20% on properties up to AED 5M (30% above AED 5M). UAE Nationals: minimum 15% on properties up to AED 5M. Off-plan and specific bank policies may require higher deposits.
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New Heights Financial Broker LLC is a trusted mortgage broker in the UAE helping residents, expats, and investors compare mortgage options from leading UAE banks.
Fast approvals. Better rates. Stress-free process.
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