The tools
Know the real number
before you talk to anyone.
Four calculators built on the lending rules a UAE credit desk actually applies, not on a generic amortisation formula.
Maximum property price
- Loan
- Your cash
- Maximum loan
- Monthly repayment
- Debt burden used
- Pre-approval
That is the ceiling. Now get the real one.
Your exact figure, priced across 15+ banks, in one conversation.
Estimated monthly
- Principal
- Interest
- Loan amount
- Total interest
- Pre-approval
- Our fee
That is the estimate. Now get the real number.
Your exact figure, priced across 15+ banks, in one conversation.
You would save
- Saved
- Still paid
- Your payment now
- After switching
- Saved over the term
- Exit fee, capped by law
- Break even after
We confirm your exact exit fee with your lender before you commit.
Lands in your account
- Mortgage
- You keep
- Monthly rent
- Monthly mortgage
- Service charges
- Gross yield
- Cash on cash
Send us a listing and we will run these numbers on the actual unit.
The three mistakes
Where this number usually goes wrong.
Almost every gap between a calculator and a credit desk comes from one of these three.
Your card limit counts, not your balance
A credit card with a AED 100,000 limit and nothing on it still reduces your borrowing. Lenders assume you could draw the whole thing tomorrow.
A second property is capped at 60%
Not 80%. If this is not your first home in the UAE you need 40% down, whatever your income looks like.
Off-plan is capped at 50%, for everyone
Buying from a developer means half in cash, regardless of residency, salary or how clean the file is.
WHAT THESE NUMBERS ASSUME
Expat residents borrow up to 80% on a ready property under AED 5,000,000 and 70% above it, second and investment properties are capped at 60%, and debt burden is capped at 50% of income. Costs include DLD transfer at 4% plus AED 580, agency at 2% plus VAT, mortgage registration at 0.25% plus AED 290, and the valuation and trustee fees. Rates are 4.09% fixed and 4.35% variable unless you move the slider, and service charges are taken as 15% of the rent. This is an indication, not an offer.
NO PITCH, JUST ANSWERS
A number is a start.
A lender saying yes is the point.
Send us what the calculator gave you. An advisor checks it against real criteria at fifteen banks and tells you which of them would actually say yes.
We provide what is best for you
Nobody here is paid by a bank.
Clear from the start
You pay nothing for the check.
No credit search
Nothing touches your file at this stage.
Or just call +971 50 312 8955
Your details stay with your advisor. Nothing goes to a lender without your go-ahead.