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.

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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.

Get pre-approved for a mortgage in a few simple steps!
Answer a few simple questions and one of our mortgage brokers will help you find and secure the best mortgage offers in Dubai and the UAE

Our latest mortgage offers in Dubai and the UAE

Lowest 2-year fixed rate

3.94 fixed for 2 years

Salary Transfer required

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Long-term fixed rates from

3.98 fixed for 5 years

No salary transfer required

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Variable rates from


Zero arrangement fees

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