Affordability Calculator

Calculate how much you can borrow and what value property you can afford. Then let us help you get ready to make an offer on your dream property.

We’ll help you get the best mortgage – speak to us

Give us your details and we'll call you within 24 hours to review your situation and advise how we can help.

Our mortgage affordability calculator for Dubai and the UAE uses similar calculations to those used by lenders to estimate how much you can afford to borrow. It’s results are not a formal offer of finance, and there are many other factors that go into determining how much a person can borrow, including their employment status, age and nationality.

How Affordability Calculator Works

Monthly Income

Your income is a crucially important factor in working out how much you can borrow, as lenders want to ensure that you can meet your repayments and will not default on your loan.

Generally speaking, your annual income cannot be more than seven times the loan you’d like to take out, and your monthly debts cannot be more than 50% of your monthly income.

Monthly Debt

UAE lenders use a concept called Debt-Burden-Ratio (DBR) to calculate how much you can afford to borrow. Your DBR is your monthly debts (including any future mortgage payments) as a ratio of your monthly income.

Lenders will often use a high interest rate to calculate your future mortgage payment, to account for any interest rate hikes.

Down Payment

The UAE Mortgage Cap law requires non-UAE nationals to have a cash down payment of at least 25% of the property value (20% for UAE nationals) plus associated purchase costs.

Why use Mortgage Finder

We’ll save you money

We have relationships with all of the top lenders, giving us access to the best mortgage rates as well as exclusive discounts on fees and interest rates.

We’ll save you time

We will compare all available mortgages and recommend the best one for you. Meaning you don’t have to negotiate with 20+ banks yourself.

We’ll give you a VIP service

We manage the mortgage process from start to finish, dealing with all potential hurdles to ensure you’re able to buy your dream property. We work for you, not the banks.

We’ll help you get the best mortgage – speak to us

Give us your details and we'll call you within 24 hours to review your situation and advise how we can help.

Secure & free of charge This is a secure 128 bit-SSL encrypted channel
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Our latest mortgage offers in Dubai and the UAE

Exclusive

Exclusive 1-year fix

3.14% fixed for 1 year

Best offset product available in the market
50% discount on processing fee
4.5% of fees can be included in the mortgage
25% penalty free overpayments p.a.
Low reversion margin

Get pre-approved today!

5-year fixed rate

4.99% fixed for 5 years

ZERO processing and arrangement fees
FREE life and property insurance for the first 5 years
FREE valuation (cost refunded on successful completion)
4.5% of fees can be included in the mortgage Low reversion margin

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Resident rates

From 2.99%

Low rates are available for residents, with the option to pay interest only for the first 5 years! Plus, there are no salary transfer requirements and super low application fees.

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