How to Run Multiple Mortgage Simulations Using Your Instant Valuation

When I first built YallaValue, I wanted people to do more than just get a quick property valuation in Dubai—I wanted them to understand what that number could do for them. One of the most powerful ways to use your instant valuation is by pairing it with a UAE mortgage calculator to run different loan simulations.

These simulations can help you explore what kind of property fits your budget or how much equity you could unlock if you decide to refinance your current home. Let’s break down the key variables you can adjust and how they influence your repayments.

1. Loan-to-Value Ratio (LTV)

Your LTV ratio is simply the percentage of the property’s value that a bank is willing to finance. It’s the inverse of your deposit. For example, if your valuation shows your property is worth AED 2 million and your LTV is 80%, the bank could lend you AED 1.6 million, and you’d need a 20% deposit (AED 400,000).

In the UAE, the limits vary:

• UAE residents can typically borrow up to 80% LTV.

• UAE citizens may go up to 85% LTV.

• Non-residents are usually capped between 50–60% LTV.

By changing this percentage in your mortgage simulation, you’ll instantly see how much deposit you need and how that affects your monthly repayments.

2. Loan Duration

Most UAE banks offer a maximum loan term of 25 years. A longer duration reduces your monthly payments but increases total interest paid over time. Running multiple simulations with shorter versus longer terms gives you a sense of where the right balance lies between affordability and overall cost.

3. Interest Rate

Interest rates can fluctuate depending on market conditions and your profile. Even a small change—from 3.5% to 4%—can make a noticeable difference to your repayments. Testing different rates helps you prepare for possible rate hikes or find the most competitive offer.

Once you’ve run these simulations using your property valuation, you’ll have a clear picture of what you can afford—whether you’re planning to buy a new apartment in Downtown Dubai or exploring refinancing options on your villa in Arabian Ranches.

For me, seeing how these numbers interact is empowering. It transforms what used to feel like guesswork into a data-driven decision that fits your financial reality.

By experimenting with different scenarios, you’re not just crunching numbers—you’re shaping your next property move with clarity and confidence.