Mortgage Facilitation Desk

Know your real borrowing power.
Stress-tested, not guessed.

UAE mortgage affordability and eligibility, the way a lender actually sees it — Debt Burden Ratio, the mandatory rate stress test, LTV caps and the 7× income guideline. No long forms. No bank runaround. Get an indicative figure in minutes.

Indicative onlyNo obligationConfidential

Free indicative assessment

Check your real borrowing power

Indicative only — figures computed by a deterministic engine, not guessedEmail-verified, confidential, no obligationDBR, stress test, LTV cap and 7× income — all checked

Opens the EGF mortgage assessment in a new tab.

Up to 80%
LTV for an expat first home
50%
Debt Burden Ratio cap
+2pp
Mandatory rate stress test
25 yrs
Maximum mortgage tenure
Why it is different

An indicative figure you can actually rely on.

Built from the deterministic rules a UAE lender uses — not a back-of-envelope multiple.

Real affordability

Income is quality-adjusted, every existing obligation is counted, and the payment is re-priced under the mandatory rate stress test — so the figure holds if rates rise.

Eligibility, mapped

Loan-to-value caps by buyer type and property, the 7× annual-income guideline, off-plan rules, tenure and age-at-maturity limits — all applied against CBUAE norms.

The binding constraint, named

We tell you exactly what limits your borrowing — affordability, the LTV cap, or the income multiple — and what would move it, instead of a single vague number.

What we assess

The four things that decide your number.

Each is computed deterministically and shown on your result, with the one that binds called out.

Affordability (DBR)The 50% cap
  • Quality-adjusted income
  • All monthly obligations
  • Notional 5% of card limits
Loan-to-ValueDeposit vs price
  • Caps by buyer type
  • Value-band threshold
  • Off-plan 50% override
Stress test+2 percentage points
  • Payment re-priced upward
  • Confirms rate-rise headroom
  • A CBUAE requirement
Income & eligibilityGuidelines & gates
  • 7× annual income
  • Tenure & age at maturity
  • Minimum income gates
How it works

Five steps to a figure you can act on.

A few minutes from start to an indicative result and the next step.

Verify

Confirm your email so your figure is private to you.

Profile

Residency, employment, income, obligations, property and deposit.

Compute

The engine applies DBR, the stress test, LTV caps and the income multiple.

Review

See your indicative maximum, the binding constraint and how to improve it.

Introduce

Take it further with an EGF advisor and the right UAE lender.

What you'll need

Have these ready to take it further.

You can run the indicative assessment with what you know now — these come in when an advisor progresses it with a lender.

  • Emirates ID (and passport / visa)
  • Salary certificate, or audited financials if self-employed
  • Last 6 months’ bank statements
  • Proof of existing liabilities (loans, cards)
  • Property details — value, type, off-plan or ready

Start with your borrowing power

Run the free, email-verified assessment and get your indicative maximum, monthly payment and the binding constraint — then we take it forward.

Check my borrowing power
Ready when you are

See your real UAE borrowing power now.

Indicative only, not a loan offer or pre-approval — final eligibility, rates and fees rest with the lender. No obligation.

Run the mortgage assessmentWhatsApp an advisor