Start with your budget
Consider your deposit, income, existing commitments and the amount you are comfortable repaying. The lender's assessment determines what it can offer.
Mortgage guidance · Your next home
A home you love.A plan that fits.
Bring your property plans into focus. With our mortgage partner specialists, we help you explore the options, understand the costs and prepare for the next step.
Plan it
What would it cost each month?
Regulatory ceilings, not approval. Lenders may require a larger deposit; this estimate assumes their valuation matches the price. CBUAE rules · First-home amendment.
AED 2,000,000
20% · AED 400,000
Minimum deposit for this scenario: 20% (maximum 80% LTV).
25 years
3.99%
Estimated monthly payment
AED 8,437
Principal AED 1,600,000
Interest AED 930,967
Down paymentAED 400,000
Upfront cash · incl. 4% DLDAED 480,000
Total payableAED 2,930,967
Illustrative only, using the selected rate unchanged over the full term. This is not a loan offer or approval. The upfront figure assumes the buyer pays the full 4% DLD sale-registration fee and excludes other transaction, lender, valuation and insurance costs. Total payable is the property price plus estimated interest, excluding fees. Confirm your loan terms and fee allocation in writing.
A clearer picture
A rate is one part.
Your plans are the whole.
The deposit, monthly commitment, fees and loan terms all matter. We help bring those questions together, while the lender assesses your application and sets the offer.
See the full cost
Allow for purchase and financing costs alongside the deposit. Ask for the lender's Key Facts Statement and a clear breakdown of fees and insurance requirements.
Understand the terms
Compare how the rate can change, the repayment period and any early-settlement conditions. A headline rate gives only part of the picture.
A personal approach
The questions, welcomed.
The steps, explained.
Your property search and financing should move together. Our team coordinates the property side and introductions to mortgage partner specialists, so you can understand the documents and decisions ahead.
- A conversation shaped around your property plans
- Support with the information needed for an application
- Coordination through valuation, offer and transfer
The road home
From first questions
to the next step.
Share your plans
Discuss the property, your budget and the information the mortgage specialist needs.
Explore pre-approval
The lender reviews your profile and sets out any preliminary terms and conditions.
Review the final offer
The chosen property is valued and the lender completes its checks. Read the full terms before accepting.
Prepare for transfer
Coordinate the required documents, payments and property-transfer arrangements.
A little clarity
Mortgages,
answered.
Useful questions before you commit.
How much can I borrow?
The lender assesses your income, existing commitments, credit profile and the property, within applicable lending rules. The calculator is an illustration; it does not establish eligibility or an approved borrowing amount.
Is pre-approval a final mortgage offer?
Pre-approval is an initial assessment with conditions and a validity period set by the lender. Final approval also depends on the property and completion of the lender's checks.
What should I understand about fixed and variable rates?
Check whether the rate is fixed, variable or changes after an initial period, and what that means for later repayments. Ask the lender to explain the full term and any fees for early repayment.
Can I enquire as a non-resident or self-employed buyer?
Yes. Tell us your circumstances so the mortgage partner specialist can check the options with lenders. Available products, required documents and lending terms vary; an enquiry is not an approval.
Can I finance an off-plan purchase?
It depends on the project, lender and your circumstances. A developer payment plan is a separate commitment from a mortgage. Discuss both structures and avoid assuming that finance at handover is guaranteed.
What else should I budget for?
Alongside the deposit, consider registration and transfer charges, agency fees, lender and valuation fees, and required insurance. Request a written breakdown for your transaction: the calculator's upfront estimate is not a complete cost statement.
For official information on clear loan terms, costs and disclosures, see the UAE Central Bank mortgage guidance. Mortgage advice is arranged with partner specialists; lending decisions remain with the lender.
A considered next step
Bring us your plans.
We will start there.
Tell us what you are looking to buy and where you are in the process. We will help you connect the property search with the financing conversation.