Mortgage eligibility & DBR calculator
Enter your income and the property value to see your maximum loan.
The estimate is the lowest of the three. Monthly debts counted: (loan payments plus 5% of card limits). Payment at the stress rate: .
Estimate based on UAE Central Bank mortgage rules. Your bank’s final offer can be lower, depending on credit history, eligible income, age, existing liabilities and the bank’s own lending policy.
Mortgage and Financial consulting.
Who secured their dream homes with us.
Worth of loans successfully processed and managed.
At Al Ghaf Mortgage, we are dedicated to simplifying the complexities of mortgage and financial consulting. With a client-first approach, we provide personalized solutions to help individuals and families achieve their homeownership dreams. Our team of experienced consultants is committed to offering transparent advice, competitive rates, and tailored strategies to meet your unique financial needs. Whether you’re a first-time homebuyer, looking to refinance, or need expert guidance, we are here to guide you every step of the way.
5 Reasons to use a Broker
At AL GHAF, Expert guidance to help you secure the best mortgage deals and make informed financial decisions.

Personalized advice to navigate banking services, finances, and secure terms for loans and accounts.

Partner with Al Ghaf Mortgage for expert bank consulting services that empower your financial decisions. Contact us today!

Get the Funds you need quickly with our Hassle-free Application Process.
Fast, hassle-free mortgage approvals to secure your dream home quickly.
Customized mortgage plans with terms that fit your needs and lifestyle.
Get the best mortgage rates to help you save more on your home loan.
Trusted advice to help you navigate the mortgage process with confidence.
Reducing your rate can lower your monthly payment and help you save on interest payments.
Create a bi-weekly payment plan.
Make an extra payment each year. These extra payments are automatically applied on your principal, not interest.
Choose from a variety of mortgage options tailored to you.
You must be financially healthy enough for mortgage lenders to consider you for a loan.
Several factors will influence your budget such as the size of down payment and the mortgageyou choose.
There are many mortgage loans, some of which have lower interest rates and loan down payments.
Real estate agent are experts at their jobs. They can guide you through finding the perfect home.
A home inspector can investigate a property and provide a written report detailing the property condition.
Latest Insights
Guides on UAE mortgage rates, eligibility, down payments and the home-buying process.
The 7x Salary Rule for UAE Mortgages: It Is a Real CBUAE Cap, but the Stress Test Usually Binds First (Worked Examples, 2026)
Home-Country Loans and Your UAE Mortgage: Do Overseas Debts Count Against You? How Banks Treat Foreign Liabilities in the 50% DBR (2026)
Applying to Several Banks for a Mortgage in the UAE? What It Does to Your AECB Score, and How to Compare Offers Without Damaging Approval (2026)
Can Your Parents Gift You the Mortgage Down Payment in Dubai? What UAE Banks Accept, the Paperwork They Ask For, and Why Sources Disagree (2026)
What Does a 1, 2 or 3 Million Dirham Mortgage Really Cost Per Month in Dubai? What Calculators Leave Out (2026)
Interest-Only Mortgage in the UAE: Who Can Get One, What It Really Costs, and the Payment Jump When the Interest-Only Period Ends (2026)"Al Ghaf Mortgage made my first home purchase a smooth and stress-free process. Their team guided me every step of the way, from understanding the mortgage options to securing the best rates. Highly recommend!"
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