Mortgage Affordability Calculator
The calculator
You could borrow up to
—
Figures checked November 2026. A guide only, not tax, legal or financial advice.
Sources for the calculator
How the calculation works
- Debt burden: all your loan and card payments together may take up to 50% of gross income. The calculator tests the payment at your rate plus 2 points, as banks must stress-test the borrower.
- Loan-to-value: expatriates up to 80% on a first home of AED 5 million or less, 70% above that and 60% on later homes; UAE nationals 85%, 75% and 65%; off-plan 50%.
- Income multiple: a mortgage may not exceed 7 times annual income for expatriates or 8 times for nationals.
Source: Central Bank of the UAE Rulebook: Regulations regarding mortgage loans1
Banks apply their own policies within these limits and may lend less. If you buy to let, they deduct at least two months of rent from the rental income they count.1
Frequently Asked Questions
How much can I borrow for a mortgage in the UAE?
The lowest of three limits: payments on all your debts up to 50% of gross income, the loan-to-value cap (80% for an expatriate first home of AED 5 million or less), and 7 times annual income for expatriates or 8 times for nationals.
Sources
Figures checked 6 November 2026. Prepared by Invest-Emirates.ae for general information. Not tax, legal or financial advice.
