Who's behind this
UAE Mortgage Tools is built and maintained by a UAE-qualified accountant based in the UAE. After seeing how many local "mortgage calculators" either oversimplify the rules or quietly get them wrong, we built calculators that apply the actual Central Bank of the UAE regulations — and cite the source behind every figure. We keep the focus on the work and the sources rather than on personalities, but every rule is reviewed against the primary regulation by a qualified accountant.
How the numbers are sourced
Every rule used in these calculators is taken from a primary source and re-checked, not copied from other blogs. The key references are:
- CBUAE Mortgage Regulations (Circular 31/2013), Article 3 — LTV caps, the 25-year tenor, the income multiple and the stress test.
- CBUAE Resolution 31/2/2020 — the 2020 amendment that raised first-time-buyer LTV by 5%.
- CBUAE Regulation 29/2011 — the 50% Debt Burden Ratio cap and credit-card treatment.
- Dubai Land Department fee schedule — transfer, registration and trustee fees.
Where a figure is lender practice rather than a Central Bank rule — for example the 5% of credit-card limit, or non-resident LTV bands — it is labelled as such, with an amber marker, so you always know what is regulation and what is convention.
What these tools are (and aren't)
They are free, independent, browser-based estimators to help you understand your likely borrowing range and costs before you speak to a bank. They are not financial advice and not a loan offer. Banks apply their own credit policy, income assessment, property valuation and live rates, so your actual approval may differ. Please see the full disclaimer.
Corrections & contact
Rules change, and accuracy is the whole point of this site. If you spot something that looks out of date or wrong, please tell me at [email protected] and I'll review it against the source.