
Monthly Income
As a rule of thumb, your loan amount is usually capped at around seven times your annual income, and your total monthly loan payments shouldn’t go over 50% of what you earn each month.
Let’s find out what you’re eligible for.
Property Purchase Price
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Mortgage Loan Amount
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Monthly Mortgage Payments
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As a rule of thumb, your loan amount is usually capped at around seven times your annual income, and your total monthly loan payments shouldn’t go over 50% of what you earn each month.
UAE banks assess your Debt-Burden Ratio (DBR) to decide how much you can borrow. It’s the percentage of your monthly income that goes toward repaying debts (including your future mortgage payments). Lenders use a slightly higher interest rate to calculate your mortgage — just to ensure you can still afford payments if rates rise in the future.
If you're a resident, you'll need at least 20% of the property price in cash to get a mortgage. For UAE nationals, it's a bit lower at 15%. Non-residents can also apply, but they’ll need a minimum of 40% as a down payment. Don’t forget to budget for extra costs like fees, taxes, and registration which is typically an additional 8%.
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I had an outstanding experience with Mortgage Finder, thanks to the incredible support from Ian Vaughan and Conchita Fabian. My circumstances weren’t the easiest, but they went above and beyond to ensure I was informed every step of the way. Ian’s knowledge and Conchita’s attention to detail made the process feel smooth and manageable, even with the complexities involved. They truly cared about finding the best solution for me.
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Keiran
We have used Lucy Pattison and Richard Boyd from Mortgage Finder on 2 occasions now and both times have been extremely satisfied with the high level of experience navigating both processes that each had unique challenges.
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Thomas Clifton
I had an excellent experience with Mortgage Finder, and a special shout-out to Raj, Anita, and Cristina! Raj was my main contact, and his professionalism and attentiveness made all the difference. I had spoken to other competitors,
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Muhammad Ashif
I had an excellent experience working with Omer and Natalie during my apartment purchase. Despite a few bumps along the way, they were always available to answer my questions and queries. This made the process as simple and smooth as possible.
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S A
I cannot thank Charlotte and Natalie enough for their exceptional support throughout my home-buying journey. They were instrumental not only in helping me secure the right mortgage for my new home but also in guiding me through every step
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Gabriel Cordiero
Good team of mortgage brokers. Would recommend. As a new property buyer, there were a few clarification points on the mortgage offer, terms of business and final offer from the bank that needed a prompt from us. On reflection the process was not as simple as the road map suggested and needed a lot of intervention and personal navigation to achieve the outcome of the handover of the keys for our new home. My advice would be to ensure your choice of lender is thoroughly thought through before making your final decision.
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Mark Lewis
I recently worked with Mortgage Finder and was impressed with their professionalism throughout the process. They provided clear and timely communication, expertly navigated the complexities of mortgage options, and were highly responsive to all my questions. Their attention to detail and customer-focused approach made the entire experience smooth and stress-free. I highly recommend Mortgage Finder for anyone looking for reliable and professional mortgage services.
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Angelka Josif
We had an excellent experience with mortgage finder, who provided knowledgeable and personalized guidance throughout the mortgage process. They communicated effectively, secured great rates and made the entire home buying experience smooth and stress free. Efforts of Raj and Anita were commendable.
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Sentil Thambi Tholath
Lucy Pattison is an exceptional mortgage broker. She kept us advised every step of the mortgage process, explaining the reason for every obscure document requested from us. Her manner was always friendly, and she was always available to answer every question we had. Previously, we had gone directly to banks for our mortgages. We don't believe that we will ever do that again as long as Lucy is around to assist in the process. We will strongly recommend Lucy to our friends in the future. She is remarkable and a five-star
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Damien Cohrs
I recently had the pleasure of working with MortgageFinder, and I cannot recommend them highly enough! From start to finish, Raj and Anita went above and beyond to ensure my mortgage process was seamless and stress-free.Right from our first meeting, Raj’s expertise and attention to detail were evident. He took the time to understand my unique financial situation and provided tailored options that perfectly fit my needs. His promptness in answering all my questions, no matter how small, made me feel valued and reassured throughout the process.
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M.S. Ananthanarayanan
Would thoroughly recommend! As a first-time Brendan was supremely helpful in helping me understand my options, assessed against my circumstances, explained the terminologies and gave me his impartial advice based on his experience in the market and with each bank. From there, when we decided to go ahead, Chetna kept on top of the progression and administrative side excellently, and took care of everything between my bank and the seller’s.
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Tim Skinner
Such a great experience from start to finish.Charlotte and Natalie’s advice and support throughout the whole process was so professional and helpful. I have dealt with the banks here myself many times and had extremely poor experiences, so using Mortgage Finder was the best decision I made. They really made sure i didn’t have anything to worry about at all.Highly recommend for a professional and smooth service in what I understand is a challenging market here.Thank you again Charlotte and Natalie
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Aisling Gavin
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