About Real Mortgage
Your all-in-one financial toolkit for navigating the UAE real estate market with confidence and clarity.
The UAE property market is full of opportunities, but it can also be complex and confusing. Hidden costs, intricate financing rules, and volatile market conditions can make even the most exciting purchase feel overwhelming.
Our mission is to demystify real estate investment and ownership in the UAE. We provide a suite of powerful, accurate, and easy-to-use financial calculators that empower you to make informed decisions. We believe that everyone deserves to have control over their financial future, and that starts with having access to the right tools and information.
DSR stress testing: The UAE Central Bank requires banks to stress-test borrowers at their actual rate plus 2–4%. We apply this same logic so your affordability estimate reflects what a bank will actually approve.
Full fee accuracy: Most calculators forget the DLD trustee fee, the knowledge and innovation fees, or apply VAT incorrectly. We include all closing costs and apply 5% VAT only where the law requires it.
Residency-tiered LTV rules: UAE nationals, residents, and non-residents face different down payment requirements — and those requirements change at the AED 5M threshold. Our calculators apply the correct CBUAE LTV tier automatically.
Our Suite of Tools
Estimate your monthly payments and all upfront costs, including DLD fees. Dynamically calculates the minimum required down payment based on your residency status, property type, and the AED 5M LTV threshold.
Discover your realistic property budget. Considers your income, debts, and cash on hand, applying UAE Central Bank DSR and stress testing rules — including the age cap on loan terms for expats.
Get a complete itemised breakdown of every fee involved in buying property in the UAE — DLD transfer fee, trustee charges, agency commission, mortgage fees, and a recommended contingency buffer. Works for cash and mortgage purchases.
Make informed long-term decisions by comparing the financial outcomes of renting versus buying. Analyses cumulative costs and net worth impact over time, factoring in appreciation and opportunity costs.
Get a detailed loan breakdown showing how each payment reduces your principal and covers interest. View the full schedule, an annual summary, or export to PDF.
Project the financial results of selling your property in the future. Calculates potential sale price, remaining loan balance, early settlement fee, selling costs, and your final net profit and ROI.
Evaluate the profitability of an investment property. Calculates gross and net rental yield after service charges, repairs, vacancy, and property management fees.
Dubai Land Department (DLD): Fee rates and registration rules for property transfers, title deeds, and mortgage registrations.
Central Bank of the UAE (CBUAE): LTV limits by residency status, property type, and price tier; DSR cap and stress-test methodology.
EIBOR (Emirates Interbank Offered Rate): 1-month rate used as the floating base rate for UAE variable-rate mortgages. Updated manually in the codebase when the rate changes materially.