Calculate Your Dubai Mortgage Easily
Plan Smart. Invest Confidently. Live Freely.
Turning Numbers Into Clarity
Buying a property in Dubai is more than a transaction, it’s a milestone, a lifestyle choice and a gateway to your future. Knowing your mortgage potential before committing can save time, stress, and uncertainty. Our Dubai Mortgage & Loan Calculator empowers you to explore realistic payments, understand interest and plan your investment with confidence. At Touchwood Real Estate, we make sure your financial journey is as seamless as finding your dream property.
How the Calculator Works
Using the calculator is simple intuitive and designed for clarity:
Enter Property Price or Loan Amount:
Start with your budget or desired home value.
Add Your Down Payment:
Adjust the percentage you plan to invest upfront.
Choose Loan Term:
Why Calculate Your Mortgage First?
Select Interest Rate:
Compare fixed, variable, or Sharia-compliant Islamic financing options.
The calculator instantly estimates your monthly repayment total interest payable and total repayment over the term giving you a clear picture of your commitment.
Why Calculate Your Mortgage First?
Many buyers dive into Dubai’s property market without knowing their true affordability. Calculating first allows you to:
- Plan Finances Accurately: See exactly what fits your budget and lifestyle.
- Compare Lenders & Rates: Understand the impact of fixed vs. variable interest.
- Optimize Your Investment: Adjust down payments or loan terms to maximize returns.
- Reduce Surprises: Know fees, interest, and repayment obligations upfront.
Dubai Specific Insights You Need to Know
Navigating mortgage rules in Dubai can feel complex but understanding these points makes your decisions smarter:
- Loan-to-Value (LTV) Ratios: Expats usually start with a 20% down payment for properties up to AED 5 million. Luxury properties or second homes may require more.
- Regulatory Framework: All mortgages must comply with RERA and property registration under the Dubai Land Department.
- No Personal Income Tax: Your rental income and property ownership in Dubai remain untaxed allowing your investment to grow efficiently.
- Fees & Additional Costs: Be aware of registration fees, mortgage processing costs and any lender-specific charges.
Tips for Using the Calculator Effectively
Start with Realistic Figures:
Use your actual budget and expected down payment to get the most accurate results.
Compare Scenarios:
Try different interest rates and loan terms to see what best fits your lifestyle.
Factor in Fees:
Always include registration and administrative costs for a complete picture.
Consult Experts:
While the calculator gives estimates Touchwood’s mortgage specialists can tailor solutions for your unique goals.
Make Your Property Dreams Concrete
Your Dubai Mortgage planner is more than just a tool it’s a planning companion. By knowing your payments interest and financial flexibility you can confidently explore properties, negotiate effectively, and invest wisely.
Step Confidently Into Your Dubai Property Journey
At Touchwood Real Estate we guide you from calculation to keys in hand. Our experts help you navigate lenders document preparation approvals and financing strategies ensuring that every step is smooth transparent and aligned with your goals. Your home your investment your future planned smartly made real.