Check My Budget

UAE Property Budget Calculator

Check your UAE property buying budget in 60 seconds.

Estimate your mortgage, upfront buying costs, and a realistic property budget before speaking to an agent or broker.

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How It Works

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Budget Snapshot

Property price AED 1,500,000
Deposit (20%) AED 300,000
Mortgage term 25 years
Est. monthly payment AED 6,800 25y @ 4.25%
Upfront buying costs AED 115,000 DLD + fees + valuation

Example figures - not advice

Your 60-second budget checker

Four quick steps. No account needed. Get a realistic estimate of your UAE property budget.

Are you a UAE resident?
Buying as?
First-time buyer?
Your estimate
Estimated buying range AED 0 - AED 0
Estimated monthly mortgage AED 0 25 years at 4.25%
Estimated upfront costs AED 0 DLD, agency, trustee, registration and valuation
Total cash needed AED 0 Deposit plus estimated upfront costs
Risk note: Banks typically cap total debt repayments at around 50% of monthly income. Keep an emergency buffer of 3-6 months expenses.

Send me the full breakdown

Share your details and your numbers can be reviewed properly before you speak to an agent or broker.

QuickProperty Budget Checker Lead

Your figures are used only to respond to your enquiry.

What you'll get

Four clear outputs designed to help you make a sensible decision before talking to anyone.

Estimated mortgage payment

A realistic monthly figure based on UAE rates and your deposit.

Upfront buying cost estimate

DLD, agency, trustee, valuation and registration — all in one number.

Affordability sense-check

We compare your income and debt against typical UAE bank ratios.

Suggested next steps

A short, practical action list — no pushy sales follow-ups.

Dubai property costs are not just the deposit.

Most buyers underestimate the upfront and ongoing costs of buying in the UAE. A realistic budget should include fees, valuation, registration, and a buffer — not just the property price and down payment.

  • DLD transfer
  • Agency & trustee
  • Mortgage registration
  • Bank valuation
  • Conveyancing
  • Service charges
  • Moving costs
  • Emergency buffer
Indicative cost breakdown
% of property price
Example only
DLD transfer fee 4% of property price
Agency fee Typically 2%
Trustee fee ~AED 4,200
Mortgage registration 0.25% of loan + AED 290
Bank valuation AED 2,500-3,500
Conveyancing Optional but recommended
Service charges Annual, varies by building
Moving & furnishing Budget conservatively
Emergency buffer 3-6 months of expenses

Who is this for?

UAE residents

Considering your first home in Dubai or wider UAE.

Expats moving to Dubai

Planning ahead before relocating or renewing your lease

Overseas buyers

Buying as a non-resident — understand costs upfront.

Investors

Comparing rent vs buy or sizing a second property.

Need a sanity check? Let the humans take over

If your numbers look realistic, we can help you understand the next steps and, where useful, connect you with a relevant mortgage or property contact.

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Disclaimer. QuickProperty provides general calculators and practical guidance only. Results are estimates and should not be treated as financial, mortgage, legal, tax, or investment advice. Always confirm figures with a qualified adviser or lender.