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Mortgage Calculator
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- Principal & interest AED 0
- Service charges (est.) AED 0
- Mortgage insurance (est.) AED 0
Total monthly cost including estimated service charges and insurance. Only principal & interest goes to the bank.
Illustrative only. Final rates and terms depend on your bank and profile. UAE residents can typically borrow up to 80% of a first property's value; non-residents up to about 50%.
What you'll need for a UAE mortgage
Pre-Approval
Passport, six months of bank statements, and proof of income. Takes 5-10 working days.
Property Valuation
The bank commissions an independent valuation once you've signed a reservation form.
Final Offer
Formal offer letter issued, outlining rate, tenure and conditions for your signature.
Mortgage Registration
0.25% registration fee paid to DLD; the mortgage is registered against the title deed.
Mortgage & buying costs FAQ
Yes. Non-UAE nationals can purchase freehold property with full ownership rights in designated freehold areas such as Downtown Dubai, Dubai Marina, Palm Jumeirah, Business Bay, and Dubai Hills Estate. SWK Properties only lists freehold-eligible listings for international buyers.
Beyond the purchase price, budget for a 4% Dubai Land Department (DLD) transfer fee, an AED 4,200 DLD admin fee, a 2% agency commission, and (for mortgaged purchases) a 0.25% mortgage registration fee plus bank arrangement fees. Our team provides a full cost breakdown before you commit.
Most developers offer staged plans such as 60/40 or 70/30 (percentage due during construction vs. on handover), or post-handover plans extending payments over 1-5 years after completion. Exact structures vary by project — each listing page shows the specific plan.
Yes. A property investment of AED 2 million or more (subject to current immigration rules) can qualify you for a 10-year renewable UAE Golden Visa, extendable to spouse and children. Our legal partners handle the eligibility check and application.
Non-resident buyers can typically secure UAE mortgages of up to 50% loan-to-value, while UAE residents can access up to 80% LTV on their first property. We work with multiple banks to compare rates — try our mortgage calculator for an instant estimate.
Annual service charges (community/building maintenance, billed per sqft), a 5% housing fee on rented properties (charged via DEWA bills), and — if you let the property — a standard property management fee, typically 5-8% of annual rent.
Each listing's ROI% is estimated using current market rents for comparable units in the same building or community, divided by the purchase price, net of an assumed service charge and vacancy allowance. Figures are indicative — our advisors can prepare a tailored projection.
Yes. Our property management team handles tenant sourcing, Ejari registration, rent collection, maintenance coordination, and renewals, so overseas owners can hold a fully hands-off investment.