EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%
Aerial view of Dubai Marina towers with the Palm Jumeirah behind
بسم الله الرحمن الرحيم

UAE Mortgage Rates
from 3.75%

Compare home loan products from major UAE banks. Islamic and conventional, from real lender pricing, not estimates.

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Rates compared from UAE's leading banks
ADCB
Emirates NBD
HSBC
First Abu Dhabi Bank
Dubai Islamic Bank
ADIB
Mashreq
National Bank of Fujairah
RAKBANK
Emirates Bank
ADCB
Emirates NBD
HSBC
First Abu Dhabi Bank
Dubai Islamic Bank
ADIB
Mashreq
National Bank of Fujairah
RAKBANK
Emirates Bank

In the UAE, mortgages and home loans are the same product. Banks use the terms interchangeably. Whether you are searching for a home loan in Dubai, a mortgage in Abu Dhabi, or Shariah-compliant home finance anywhere in the Emirates, you are in the right place. Compare every rate from every CBUAE-regulated lender, side by side.

Current Rates · August 2026

Today's Best Rates

Published reducing rates from UAE banks. Sorted by cost, updated when lender pricing changes.

View all rates →
Best Islamic
Islamic
Sharjah Islamic Bank
Fixed home finance
3.75%
Fixed terms: 1 yr
Bank fee: 0%
Monthly: AED 5,141/mo (AED 1M loan)
Features: Cheapest fixed rate in the portal
Best Conventional
Conventional
Emirates NBD
Standard, salary transfer
3.89%
Fixed terms: 1 / 2 / 3 yrs
Bank fee: 0.26%
Monthly: AED 5,218/mo (AED 1M loan)
Features: Salary transfer required. 1-year fixed is dearer at 3.99%
Islamic
Dubai Islamic Bank
Standard, salary transfer
3.95%
Fixed terms: 3 / 5 yrs
Bank fee: 0%
Monthly: AED 5,251/mo (AED 1M loan)
Features: Salary transfer required. Same rate for nationals and residents
Conventional
First Abu Dhabi Bank
Standard, salary transfer
3.99%
Fixed terms: 1 / 2 / 3 / 5 yrs
Bank fee: 0%
Monthly: AED 5,273/mo (AED 1M loan)
Features: Salary transfer required. Conventional and Islamic both offered
View the full rate table →
Home loan comparison · August 2026

Compare the mortgage: UAE banks side by side

The lowest home loan rate is not always the cheapest. Compare fixed rate, reversion rate, fees, and minimum salary before you decide.

Full comparison →

As of August 2026, the lowest conventional mortgage rate we can both source and verify is 3.89% from Emirates NBD, on a two-year fixed with salary transfer. The lowest Islamic home finance rate is 3.75% from Sharjah Islamic Bank, on a one-year fixed with no arrangement fee. Both revert to EIBOR plus a margin after the fixed period, and the reference matters: Emirates NBD and ADIB price off 1-month EIBOR while most lenders use 3-month, currently 3.91%. On an AED 1.5M loan over 25 years, the gap between 3.89% and 4.50% is about AED 510 a month. Source: lender product records, read August 2026. Expat buyers face a different set of hurdles on deposit and eligibility, covered in our guide to the cheapest expat mortgage rates in the UAE. If you are weighing us against the other comparison tools, we have also written an honest review of the UAE mortgage comparison sites, including where each one is weaker than it looks.

# Bank Type Best fixed rate Fixed terms offered Reversion (after fixed) Bank fee Apply
1 Sharjah Islamic Bank
Fixed home finance		 Islamic 3.75% 1 yr 3m EIBOR + 1.75% 0% Apply direct
2 Emirates NBD
Standard, salary transfer		 Conventional 3.89% 1 / 2 / 3 yrs 1m EIBOR + 1.99% 0.26% Apply direct
3 Dubai Islamic Bank
Standard, salary transfer		 Islamic 3.95% 3 / 5 yrs 3m EIBOR + 1.00% 0% Apply direct
4 ADIB
Standard, salary transfer		 Islamic 3.99% 3 / 4 / 5 / 7 to 20 yrs 1m EIBOR + 1.60% 0% Apply direct
5 First Abu Dhabi Bank
Standard, salary transfer		 Conventional 3.99% 1 / 2 / 3 / 5 yrs 3m EIBOR + 1.50% 0% Apply direct
6 Mashreq
Premium pricing segment		 Conventional 3.99% 2 yrs 3m EIBOR + 1.75% 0% Apply direct
7 HSBC
Private and Premier, no salary transfer		 Conventional 4.05% 1 / 2 / 3 / 5 yrs 3m EIBOR + 1.09% 0.52% Apply direct
8 ADCB
Fixed home loan		 Conventional 4.13% not stated EIBOR + margin not stated Apply direct
9 Standard Chartered
Standard, no salary transfer		 Conventional 4.29% 1 / 2 / 3 / 5 yrs 3m EIBOR + 1.10% 0.26% Apply direct

Rates last verified August 2026. How we source and check rates. Rates are indicative published rates for salaried borrowers, first property under AED 5M, 80% LTV. Actual rates depend on your profile. 3M EIBOR: 3.91% (CBUAE, August 2026). Always confirm directly with the bank. Compiled and fact-checked by our research team against our data methodology. View full comparison →

التمويل العقاري الإسلامي

Islamic Home Finance

Shariah-compliant products from major UAE banks. Ijara, Murabaha, and Diminishing Musharaka. All regulated by CBUAE and certified by Shariah boards.

View Islamic Rates →

Know Your Borrowing Power

CBUAE rules determine your maximum. Our calculator applies the same debt burden ratio, loan-to-value, and income multiple tests that banks use. 90 seconds.

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How It Works

Real rates from real banks. No middlemen, no hidden fees.

01

Compare Rates

Home loan products from major UAE banks. Islamic and conventional. Sorted by cost, not commission.

02

Check Eligibility

CBUAE affordability rules built in. See your maximum borrowing power in 90 seconds.

03

Islamic Finance

Ijara, Murabaha, Diminishing Musharaka. Shariah-certified profit rates clearly labelled.

04

Apply Direct

Contact banks directly or speak to a free advisor. No broker fees, no runaround.

Start with the UAE mortgage rates comparison page to see every current product, or use the mortgage calculator to model your monthly payment at different property prices and rates. Already settled on a lender? We build each calculator on that bank's own published pricing: Emirates NBD home loan calculator, Dubai Islamic Bank home loan calculator, FAB mortgage calculator, HSBC mortgage calculator, ADIB mortgage calculator and Mashreq mortgage calculator.

أحدث أخبار التمويل العقاري

UAE Mortgage News

Market updates, rate changes, and regulatory news that affects your mortgage.

EIBOR tracker →
Central Bank of the UAE headquarters building CBUAE

CBUAE Holds Base Rate at 3.65% Following Fed Decision

The Central Bank of the UAE maintained its base rate, tracking the US Federal Reserve. Mortgage rates remain stable for now.

Read update →
Aerial view of Dubai skyline and property developments Market

Dubai Property Transactions Rise 12% in Q1 2026

Dubai Land Department reports increased transaction volumes as mortgage rates stabilise and buyer confidence improves.

Read update →
UAE mortgage refinancing and interest rate concept Rates

Refinancing activity rises as fixed rates settle

With conventional mortgage rates from 3.89% p.a., borrowers who locked in at 2022-2023 peak rates are switching and saving. The break-even on refinancing costs is typically under 18 months.

Read update →
أحدث المقالات والأدلة

From the Knowledge Hub

Practical guides written for UAE buyers. No jargon, no sales pitch. Just the information you need before signing anything.

Browse all articles →
EIBOR interest rate and financial data chart, Dubai EIBOR

EIBOR Explained: What It Means for Your Mortgage

EIBOR sits at 3.91%. Your variable rate is EIBOR plus a bank margin. Here's how the maths works and what moves it.

Read the guide →
UAE bank branch exterior Rates Guide

Best Mortgage Rates in the UAE Right Now

Which UAE bank is offering the lowest rate today? We compare published rates across major UAE banks. Updated when rates change.

Compare rates →
Signing a UAE mortgage document Step by Step

How to Get a Mortgage in the UAE: Step by Step

Pre-approval to keys in hand. A plain-English walkthrough of the exact process, documents needed, and timelines.

Read the guide →
Jumeirah Mosque, Dubai, representing Islamic home finance Islamic Finance

Islamic vs Conventional Mortgage: Which Costs Less?

The real difference between profit rates and interest rates. Side-by-side cost comparison with actual numbers from UAE banks.

See the comparison →
Buyer Guides →

Islamic home finance rates in the UAE

Islamic home finance costs the same each month as a conventional mortgage, but the bank earns a profit rate, not interest. The two common structures are Ijara (a lease-to-own arrangement) and Murabaha (cost plus an agreed profit). The lowest Islamic home finance rate right now is 3.75% reducing from Sharjah Islamic Bank, which undercuts the cheapest conventional deal we can source at 3.89%. Shariah-compliant finance is open to Muslims and non-Muslims alike, and the CBUAE rules are identical to conventional lending: a 20% deposit for expats on a first home under AED 5 million and a 50% debt burden cap. Compare every Islamic and conventional product side by side on our UAE mortgage rates page, or read how the two stack up in our Islamic vs conventional mortgage guide. If you only want the cheapest number, our ranking of the lowest home loan interest rate in the UAE covers why the lowest headline is not always the cheapest deal once the reversion margin is counted.

سعر الفائدة بين البنوك الإماراتية

EIBOR at 3.91%

The Emirates Interbank Offered Rate directly affects your variable mortgage rate. When EIBOR moves, your monthly payment moves with it. Track changes here.

Full EIBOR Tracker →
3.91%
EIBOR 3-Month
3.65%
CBUAE Base Rate
3.75%
Lowest Islamic
3.89%
Lowest conventional