Dubai mortgage calculator
Every hidden cost included. DLD, agency, mortgage reg, valuation, NOC, trustee. Your nationality sets the LTV cap and loan-end age as defaults, and both stay adjustable.
Can a non-resident get a mortgage in Dubai, and how much deposit is needed?
Yes. UAE banks lend to non-residents, with stricter caps. As of 2026, LTV caps sit around 65% for non-residents, 80% for resident expats, and 85% for UAE nationals, which means down payments of roughly 35%, 20%, and 15%. On top of that, budget about 7 to 8% of the price for fees: 4% DLD transfer, 2% agency, mortgage registration, valuation, and trustee. The calculator below adds every line for your exact case.
You
Defaults for a resident expat. Both values below are adjustable.
Property
Mortgage
In Dubai the rate is usually fixed for an introductory period (often up to 5 years), then reverts to a variable rate that has recently sat around 7%. Test a higher rate for the post-fixed period.
UAE banks cap tenure at the smaller of 25 years and (the loan-end age minus your age). With your current settings, that is 25 years.