Buying a home and wondering how much you can borrow?

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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How is your eligibility calculated?

  • 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.

  • Monthly Debt

    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.

  • Down Payment

    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%.

Like what you see? Get pre-approved in a few simple steps!

Answer a few simple questions, connect with a mortgage broker, and secure the best mortgage offers in Dubai and the UAE.

Why homeowners prefer Mortgage Finder (and so will you)

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  • You’ll get the best rates

    We work for you, not the banks. We’re the only mortgage provider in the UAE offering truly unbiased advice. Our expert advisors are focused on helping you find the best rates, terms, and savings, always with your best interest in mind. Your satisfaction is how we measure success.

  • You’ll save time

    No need to negotiate with dozens of banks–we’ll do it on your behalf and bring you the best handful of offers from 20+ UAE top banks.

  • You’ll get VIP treatment

    Secure your dream property with ease. We manage the mortgage process end-to-end, from pre-approval to post-purchase, ensuring a smooth path to homeownership.

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