Calculators & tools
Run the numbers before you talk to a bank
Four free, no-sign-up calculators built for the UAE market. Estimate your monthly repayment, see how much you could borrow, model the savings from refinancing, and weigh up renting against buying. Then turn any result into a real pre-approval.
We work with the UAE's leading lenders, giving you whole-of-market access to 19+ banks
+ more lenders
A representative selection of the UAE lenders we compare.
Choose your calculator
Every tool here is free, instant and works without an account. They use UAE-specific assumptions, not generic global maths, so deposit rules, fees and rate structures reflect how mortgages actually work in Dubai and across the Emirates.
The numbers you see are indicative. They give you a confident starting point, but your real offer depends on the lender, your income, your credit profile and the property. When you are ready for an exact figure, an Upscore advisor can turn any result into a proper pre-approval, at no cost to you.
Mortgage repayment calculator
Enter the property price, your residency status, your deposit and the term, and we will estimate your monthly payment plus the upfront costs you should budget for. It is the fastest way to sanity-check a property you have seen.
In the UAE your monthly payment is only part of the picture. The upfront costs add up, and they are usually paid in cash on top of your deposit. As a rough guide, expect to budget for the Dubai Land Department transfer fee of around {{4%}} of the property price, an agency fee of about {{2%}}, a bank arrangement fee of up to {{1%}} of the loan, plus valuation, mortgage registration and life and property insurance. We will surface a clear estimate so there are no surprises at completion.
Use the rate field to test how a 3-year fixed, a 5-year fixed or a variable deal changes your payment. Our current indicative rates are below.
- Inputs: property price, residency, deposit, term, rate
- Outputs: estimated monthly payment and total upfront costs
- Compare fixed and variable rates side by side
- UAE fee assumptions built in (DLD, agency, bank, insurance)
Affordability calculator: how much can I borrow?
Start from your income rather than a property price. Tell us what you earn, your existing commitments and your deposit, and we will estimate the borrowing range UAE banks are likely to offer.
Lenders here work to two key limits. The first is loan-to-value, which caps how much you can borrow against the property and therefore sets your minimum deposit. As an indicative guide, residents buying a first home under {{AED 5 million}} can often borrow up to {{80%}} of the value, meaning a deposit of around {{20%}} plus costs. Non-residents typically need a larger deposit, often {{50%}} or more. The second limit is the debt burden ratio, which caps your total monthly repayments, including this mortgage, at a set share of your income, indicatively {{50%}}.
This calculator applies both limits so your result reflects what banks will actually approve, not just what the property costs.
- Built around income and the debt burden ratio, not just price
- Reflects resident and non-resident loan-to-value limits
- Shows a realistic borrowing range, not a single optimistic number
- A natural first step before a full eligibility check
Refinance savings calculator
If you took out your mortgage a few years ago, you may be paying more than you need to, especially if you slipped onto a higher variable rate after a fixed period ended. This calculator compares your current deal against today's rates and shows your potential monthly and lifetime saving.
Refinancing is not free, so we factor in the realistic costs of switching: an early settlement fee on your current loan (often capped at around {{1%}} of the outstanding balance, indicatively to a maximum of {{AED 10,000}}), a new bank's arrangement fee, valuation and fresh mortgage registration. We then show your break-even point, the number of months it takes for the savings to outweigh those costs.
Warning: You may have to pay penalties if you pay off your financing early.
تحذير: قد تضطر إلى دفع غرامات في حال قمت بسداد التمويل مبكرًا.
If the maths works, switching banks or releasing equity could free up real money each month. An advisor can confirm the exact figures with whole-of-market access.
- Compares your current rate against today's indicative rates
- Includes switching costs and early settlement fees
Warning: You may have to pay penalties if you pay off your financing early.
تحذير: قد تضطر إلى دفع غرامات في حال قمت بسداد التمويل مبكرًا.
- Shows monthly saving, lifetime saving and break-even point
- Covers rate-switching, bank-to-bank moves and equity release
Rent-vs-buy calculator
Many UAE residents pay rent for years before realising a mortgage payment might be similar to, or even lower than, their annual rent cheque. But buying carries upfront costs and ties up capital, so the honest answer depends on how long you plan to stay.
Enter your current rent, the price of a comparable property to buy, your deposit and how many years you expect to stay in the UAE. We compare the true cost of renting against the true cost of owning, including upfront purchase fees, mortgage interest, service charges and the equity you build as you repay the loan.
The result is a clear break-even year: stay longer than that and buying tends to win, leave sooner and renting may be the smarter call. No emotion, just the numbers for your situation.
- Compares total cost of renting vs owning over your time horizon
- Accounts for upfront fees, service charges and equity built
- Gives a clear break-even year for your situation
- Helps you decide with facts, not pressure
Today's indicative UAE mortgage rates
Use these as your starting assumption in any calculator above. Rates move with the market and the exact rate you are offered depends on your profile, the lender and the property, so treat these as indicative only.
We have whole-of-market access to {{19}}+ UAE banks and lenders, including Emirates NBD, Mashreq, ADCB, Dubai Islamic Bank, Abu Dhabi Islamic Bank, HSBC, Standard Chartered, Commercial Bank of Dubai and RAKBANK. A fixed rate gives you certainty for the fixed period; a variable rate can be lower to start but moves with the market. Islamic home finance is also available, structured to comply with Sharia principles while delivering a comparable monthly cost.
- 3-year fixed from 3.99% (indicative)
- 5-year fixed from 4.19% (indicative)
- Variable from 4.8% (indicative)
- Conventional and Islamic home finance available
Turn your result into a real pre-approval
A calculator gives you a number. A pre-approval gives you negotiating power. Once you have an estimate you are happy with, our 2-minute eligibility check tells you which of the UAE's banks can actually lend to you, your confirmed borrowing range and the indicative rates you qualify for.
It is free, there is no obligation, and there is no fee to you at any stage. The bank pays us when your mortgage completes. From there, a named human advisor takes it forward, comparing the whole market on your behalf so you know you are getting a genuinely competitive deal, not just the rate your own bank happened to offer.
- See which banks can lend to you in about 2 minutes
- Get a confirmed borrowing range and indicative rates
- No fee to you — the bank pays us when your mortgage completes
- A real advisor, not a chatbot, takes it from there
Check your eligibility
See which UAE banks can lend to you in about 2 minutes
- Which lenders are likely to approve you
- Your estimated borrowing range
- Indicative rates for your profile
- A dedicated advisor to take it from here
FAQ
Questions, answered
Are these calculators accurate?
They give a reliable, UAE-specific estimate based on the figures you enter and current indicative rates. They are not a formal offer. Your actual borrowing limit, rate and costs depend on the lender, your income, your credit profile and the property, which is exactly what a free eligibility check or a chat with an advisor confirms.
Do I need to sign up or share my details to use them?
No. Every calculator on this page works instantly with no account and no contact details. You only share information if you choose to start the eligibility check or book a consultation.
How much deposit do I need for a UAE mortgage?
It depends on your residency and the property. As an indicative guide, residents buying a first home under {{AED 5 million}} can often borrow up to {{80%}}, so around a {{20%}} deposit plus costs. Non-residents usually need {{50%}} or more. Confirm your exact figure with an advisor before you commit.
What costs should I budget for on top of the deposit?
In the UAE the main upfront costs are the Dubai Land Department transfer fee (indicatively {{4%}}), an agency fee (around {{2%}}), a bank arrangement fee (up to {{1%}} of the loan), plus valuation, mortgage registration and life and property insurance. The repayment calculator estimates these for you.
Should I choose a fixed or variable rate?
A fixed rate gives you a predictable monthly payment for the fixed period, which suits most buyers who want certainty. A variable rate can start lower but moves with the market. Our indicative rates are a 3-year fixed at 3.99%, a 5-year fixed at 4.19% and variable at 4.8%. An advisor can help you weigh up which fits your plans.
Is it really free to use Upscore?
Yes. There is no fee to you. We are paid by the lender when your mortgage completes, and we have whole-of-market access to {{19}}+ UAE banks, so our advice is not tied to any single bank.
Got your number? Let's make it real.
Whether you are buying your first home, refinancing or buying from overseas, your eligibility check takes about 2 minutes and there is no fee to you. The bank pays us when your mortgage completes.