# Dubai mortgage calculator

> Estimate a Dubai mortgage payment in dirhams and pounds, test a two-point rate rise, and see typical loan limits for non-resident and resident buyers.

Source: https://gemma-green.com/tools/dubai-mortgage-calculator/  
Author: Gemma Green, property consultant at McCone Properties, Dubai  
Last updated: 2026-10-30

1. [Home](/)
2. [Tools](/tools/)
3. Dubai mortgage calculator

Tool · Reviewed 2026-10-29

# Dubai mortgage calculator

Monthly payment, total interest and a stress test, with the lending limits for UK-based buyers in mind.

## Mortgage payment estimate

An illustrative repayment mortgage in dirhams, with a rate-rise stress test.

Property price (AED)
Down payment **40%**

Interest rate %
Term (years)

AED per £1
Buyer typeNon-resident (UK-based)UAE resident, first homeUAE resident, second or investment home

[Ask Gemma for a broker](https://wa.me/447535840084)

Illustration only, not an offer, forecast or advice. Fees and lending limits change, so confirm current figures with the Dubai Land Department, your bank and Gemma before committing.

Many UAE banks lend to non-residents, but usually a smaller share of the value than to residents. The Central Bank caps resident lending at 80% on a first home under AED 5 million, 60% on second or investment homes and 50% on off-plan. Plan on a bigger deposit if you live in the UK, and check each bank’s current limit.

Short answer

## What affects what you can borrow

- **Residency.** Residents typically borrow more of the value than non-residents. Limits differ by bank, price band and whether it is a first purchase.
- **Income and credit.** Banks assess your income, existing debts and credit history, including from outside the UAE.
- **Property.** Ready and approved off-plan properties are treated differently, and the bank will value the property.
- **Rate type.** Fixed periods and variable rates change the payment over time.

## Why the stress test matters

The calculator also shows the payment if rates rise by two points. If that figure would strain your budget, borrow less or put more down.

This is a simple calculator. It does not know your bank, your credit profile or fees beyond those on the buying-costs calculator. A licensed mortgage broker can give you real quotes; McCone works with mortgage brokers and Gemma can introduce you.

Related

1. [Guide: mortgages for non-residents](/guides/mortgages-for-uk-and-non-resident-buyers/)
2. [Buying costs calculator](/tools/dubai-property-buying-costs-calculator/)