Dubai calculators
Mortgage pre-qualifier.
See your approved AED range in seconds — then get a personalized analysis and the 3 UAE lenders most likely to fund you. Applies UAE Central Bank LTV and debt-burden rules.
Your profile
Residency
Property order
Pre-qualified range
Approved range
Based on UAE Central Bank LTV rules and debt-burden ratio ≤ 50% of income.
Approved range · min
AED
Approved range · max
AED
Get a personalized lender analysis.
We'll send you a tailored paragraph on your profile, 3 best-fit UAE lenders, and a pre-approval path. No spam. One email.
Get a live-lender pre-approval letter in 3–7 working days.
Answers
Frequently asked.
Pre-qualification (this tool) is a quick estimate of your range based on UAE Central Bank rules applied to the information you provide — no document review, no credit pull. Pre-approval is a formal letter from a specific bank confirming they'll lend you a specific amount, subject to property valuation — typically 3–7 working days with full documentation.
HSBC UAE, Mashreq, Standard Chartered, Emirates NBD, ADCB, and RAKBANK all have non-resident mortgage products. Non-residents need 40% down minimum and face rates typically 25–75 basis points higher than resident rates. HSBC is usually the smoothest for non-UAE-income applicants.
UAE Central Bank's Debt-Burden Ratio (DBR) limits total monthly debt service to 50% of gross income. Counted: credit card minimums (or 5% of balance — whichever higher), car loans, existing mortgages, personal loans, education loans. Not counted: utilities, service charges, insurance premiums.
Yes — three high-leverage moves: (1) Pay down one high-interest card (improves DBR immediately). (2) Document additional income (bonuses, rental, dividends — banks accept 75% weight on variable income if 2+ years shown). (3) Extend loan term from 20 to 25 years to drop the monthly payment and unlock more principal.
Only if you explicitly request a lender introduction. The pre-qualification range is generated by our rules engine; the narrative by a private AI. Your email and scenario data are stored securely for follow-up; nothing is shared with third parties without your written consent.
