Use our free mortgage calculator Dubai buyers trust to estimate your monthly payment, down payment, DLD fee and upfront cash in seconds. Switch to the rental yield tab to see the gross and net return on any investment property. No sign-up needed.
Mortgage and ROI Calculator
See your estimated monthly payment or rental yield in seconds
Estimated monthly payment
Estimate only. Your bank will confirm your rate and eligibility. Bank, valuation and registration fees are extra.
Get a free mortgage quote on WhatsAppEstimated rental return
Estimate only, based on the numbers you enter. Ask us for real rents and service charges for any building.
Ask about investment propertiesHow Our Mortgage Calculator Dubai Works
Enter the property price, your down payment and the loan term. The calculator shows your estimated monthly payment at three interest rates: 3.5%, 4.5% and 5.5%. This range covers what most UAE banks charge, so you can see a realistic lower, typical and higher payment. If a bank has already quoted you a rate, type it into the optional box for an exact figure.
It also adds up the cash you need on the day of transfer: your down payment plus the 4% Dubai Land Department fee. Bank, valuation and registration fees come on top, so keep a small buffer.
Because the mortgage calculator Dubai page works on any phone or laptop, you can test different prices while viewing properties.
Mortgage Rules in Dubai at a Glance
The UAE Central Bank sets limits on how much banks can lend. In general:
Set your down payment in the mortgage calculator Dubai tool to match these limits, and the upfront cash figure updates instantly.
- Expat residents, first home up to AED 5 million: usually at least 20% down payment.
- Homes above AED 5 million or second properties: a higher down payment is required.
- Off-plan properties: banks typically lend less, so expect a larger deposit.
- Loan term: up to 25 years, depending on your age and income.
- Monthly repayments: all your loan instalments together generally cannot exceed half of your monthly income.
Rules and bank policies can change, so always confirm the latest requirements with your lender or the Central Bank of the UAE.
Fixed or Variable Rate?
Most Dubai mortgages start with a fixed rate for one to five years, then switch to a variable rate linked to EIBOR plus the bank’s margin. A fixed rate keeps your payment stable; a variable rate can be cheaper but moves with the market. Our mortgage calculator Dubai results at 3.5% to 5.5% help you see both sides before you speak to a bank.
Whichever you choose, run both scenarios through the mortgage calculator Dubai tool above before you sign.
Using the Rental Yield (ROI) Calculator
Investors can switch to the rental yield tab. Enter the price, the expected yearly rent and the yearly service charge and costs. You will see the gross yield, the net yield after costs, your net monthly income and roughly how many years the rent takes to cover the price. Compare different areas, such as Business Bay, Dubai Creek Harbour or Jumeirah Village Circle, to find the best return.
Investors often use the mortgage calculator Dubai tab first, then compare the monthly payment with the expected rent.
Ready to Buy? Get a Free Mortgage Quote
A calculator is the first step. The next is a real offer. Send us your budget on WhatsApp and FST Real Estate will help you compare mortgage options, prepare your documents and find the right property. Browse our off-plan projects and properties for sale in Dubai, or call +971 50 192 1986.
Many of our clients start with the mortgage calculator Dubai results, then ask us for a real quote within minutes.
Frequently Asked Questions
How accurate is this mortgage calculator for Dubai?
It gives a close estimate of your monthly instalment using standard mortgage maths. Your final payment depends on the rate, fees and terms your bank approves.
Treat every mortgage calculator Dubai result as a planning figure, then confirm it with your bank.
How much down payment do I need in Dubai?
Most expat residents buying a first home under AED 5 million need at least 20% down. Higher-value, second or off-plan properties usually need more.
What other costs should I budget for?
Plan for the 4% DLD transfer fee, a mortgage registration fee, bank processing and valuation fees, and agency commission on resale homes.
Can non-residents get a mortgage in Dubai?
Yes, several UAE banks lend to non-residents, usually with a larger down payment and stricter income checks.
How do I get a real mortgage quote?
Send us your budget on WhatsApp. FST Real Estate will connect you with mortgage options that match your profile, free of charge.
