🏠 Mortgages 💳 Credit Cards Coming Soon 🚗 Car Finance Coming Soon 💰 Personal Loans Coming Soon 🛡️ Home Insurance Coming Soon ❤️ Life Insurance Coming Soon 🏥 Health Insurance Coming Soon 🏦 Savings Accounts Coming Soon
Rate p.a.
Est. Monthly
Loan Amount

One last step

Leave your details and we'll send you a free mortgage document checklist plus notify you if this rate changes. You'll then be taken directly to 's application page.

You're all set!

We've emailed you a mortgage document checklist and saved your details. You're now being taken to 's application page.

Go to Application →
★ UAE's #1 Financial Comparison Platform

Find the Best Mortgage
in the UAE — Instantly

Compare live rates from 12+ UAE banks. Our calculator enforces real CBUAE LTV rules based on your residency status — nationals, residents, and non-resident investors each calculated correctly.

12+
UAE Banks
3.74%
Rates From
85%
Max LTV
Free
No Fees
Mortgage Calculator
How Much Will It Cost You?

First, select your residency status. This determines your CBUAE maximum LTV and minimum deposit — the calculator enforces these rules automatically.

🇦🇪 UAE National

UAE passport holder. Highest LTV allowed. Best rates and longest terms available.

1st home ≤ AED 5M85% LTV (15% min deposit)
1st home > AED 5M70% LTV (30% min deposit)
2nd+ property65% LTV (35% min deposit)
Max loan term25 years
Age at maturityUp to 70 years old
DBR cap50% of gross salary

🏠 UAE Resident (Expat)

Holds a UAE resident visa. 5% lower LTV than nationals. Most banks and Islamic products available.

1st home ≤ AED 5M80% LTV (20% min deposit)
1st home > AED 5M65% LTV (35% min deposit)
2nd+ property60% LTV (40% min deposit)
Max loan term25 years
Age at maturityUp to 65 years old
DBR cap50% of gross salary

✈️ Non-Resident Investor

No UAE visa. Buying as a foreign investor. Fewer banks participate and LTV is capped at 50%.

All property types50% LTV (50% min deposit)
Property > AED 5M50% LTV (same cap)
2nd+ property50% LTV (same cap)
Max loan term15–20 years
Eligible banksSelect banks only (6 of 12)
DBR capVaries by bank
Your Mortgage

Sliders auto-enforce CBUAE minimum deposits for your residency status

AED 300KAED 20M
Min 20%75%
2.5%8.0%
5 yrsMax 25 yrs
DBR Check — Minimum Salary Required
To keep your debt burden ratio at 50% CBUAE maximum:
AED 17,532 / month
Based on your monthly payment only. Factor in existing loan repayments for a full DBR picture.
Estimated Monthly Payment
AED 8,766
per month · 25 yr term · UAE National
Loan Amount
AED 1,600,000
Total Repayment
AED 2,629,800
Total Interest
AED 1,029,800
LTV Ratio
80%
Principal 60.7% Interest 39.3%
✓ Your deposit meets CBUAE requirements for a UAE National.
MonthYearOpening BalancePaymentPrincipalInterestClosing Balance
Overpayment Calculator
Pay Off Your Mortgage Early

See exactly how much time and interest you save by making extra payments each month or as a lump sum.

Overpayment Options

Uses your mortgage details from the calculator above

AED 0AED 20,000
No increase+10% per year
💡 Example: With AED 1,000 extra/month and 5% annual increase — Year 2 you pay AED 1,050, Year 3 you pay AED 1,102. Useful if you expect your salary to grow over time.
Based on your mortgage
Loan Amount
AED 1,600,000
Rate
4.25%
Term
25 years
Monthly Payment
AED 8,766
Total Interest Saved
AED 0
Adjust overpayment to see your savings
Original Payoff
25 yrs 0 mths
Without overpayments
New Payoff
With your overpayments
Time Saved
Months off your mortgage
Original Interest
Total interest without overpay
Mortgage timeline comparison
Standard
With overpay
MonthYear Balance (Standard) Balance (Overpay) Int. Saved (cum.)
Bank Comparison
Compare UAE Mortgage Rates

Indicative rates from 12 UAE banks. Monthly payments auto-update from your calculator inputs above.

📥
Export your comparison
Download all 12 banks with full P&I breakdown as a spreadsheet
Filter:
Bank Rate p.a. Tags Est. Monthly Max LTV Term Highlight P&I Breakdown

* Indicative rates, updated daily. Monthly payments use your current calculator inputs. Confirm figures directly with each bank. Wazn is not a licensed financial advisor.

Why Wazn
Built for the UAE Market
📊

Real-Time Rate Comparison

Indicative rates from 12+ UAE banks updated daily so you never miss a better deal.

🕌

Islamic & Conventional

Murabaha and Ijara products compared side by side with conventional mortgages, transparently.

🔢

Residency-Aware Calculator

Enforces real CBUAE LTV caps per residency status, not generic estimates. Nationals, residents, non-residents each calculated correctly.

🔒

Zero-Obligation

No sign-up. No hidden fees. We never sell your data. Apply directly with your chosen bank.

📋

Amortisation Schedule

See exactly how much principal and interest you pay year by year for the full life of your loan.

🚀

Expanding Across Finance

Credit cards, car finance, insurance, and personal loans comparison tools are launching soon — one UAE platform for all your finances.

CBUAE Eligibility Guide
Know Your Limits Before You Apply

The Central Bank of UAE sets firm LTV caps. Here's exactly what applies to your situation.

🇦🇪 UAE Nationals

Highest LTV allowance — best positioned for first-time purchase

1st Property — Value ≤ AED 5M
85% LTV · Minimum 15% deposit
1st Property — Value > AED 5M
70% LTV · Minimum 30% deposit
2nd or Subsequent Property
65% LTV · Minimum 35% deposit
Maximum Loan Term
25 years, or until borrower turns 70
DBR Limit
Max 50% of verified gross monthly salary

🌍 Residents & Non-Residents

Residents get near-national limits. Non-residents face 50% cap across the board.

Resident · 1st Property ≤ AED 5M
80% LTV · Minimum 20% deposit
Resident · 1st Property > AED 5M
65% LTV · Minimum 35% deposit
Resident · 2nd+ Property
60% LTV · Minimum 40% deposit
Non-Resident (any property)
50% LTV · Minimum 50% deposit · Select banks only
Resident age limit / Non-Resident terms
Residents: max age 65 at maturity · Non-residents: 15–20 yr max term