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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How Affordability Calculator Works
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.
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.
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
Market leading product
2.69% fixed for 3 years
Up to 85% LTV for expats and 90% for UAE nationals
Discounted processing & valuation fees
Interest-only repayments available
Lowest fixed rates from
2.70% fixed for 2 years
Cashback options available
Self-employed and non-resident applicants considered
Best variable rate product
1.79% margin + 3M EIBOR
Options for non-resident and self-employed applicants
Lowest minimum floor rate on the market