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UAE mortgage rates
from 3.75%
Compare UAE mortgage rates, payments and fees. Conventional and Islamic options, with advisers to help arrange your mortgage.Compare UAE mortgages, with guidance from our advisers.
A clearer view of your options
Compare mortgages from UAE banks
Featured mortgage rates
Compare the fixed period, monthly payment and fees before choosing a mortgage.
Enter a loan amount between AED 100,000 and AED 20 million.
Borrowing calculator
How much could you borrow?
Get an indicative borrowing estimate. No email, phone number or credit check.
Your indicative borrowing
AED 1,200,000
For the property and income entered
How this estimate works
For a first, completed, owner-occupied UAE home. We use the lowest of:
- 50% of monthly income, less existing debt payments, assessed at an illustrative 8% a year.
- 7 times annual income for expats; 8 times for UAE nationals.
- 80% of property value for resident expats, or 85% for UAE nationals, for properties up to AED 5M. Above that: 70% and 75% respectively.
8% assumes a 6% follow-on rate plus a 2 percentage point buffer. The bank may use a higher rate. Age, income assessment, dependants, other expenses and credit history can reduce the amount or term. Property fees, bank fees and insurance are excluded. Self-employed income must be evidenced. Non-resident lending needs individual review.
CBUAE mortgage rulesRate assumptions are illustrative.
Optional. We’ll explain the next steps before asking for details.
Knowledge Hub
Getting startedHow to get a mortgage in the UAE
From pre-approval to the keys in your hand.
Read the guide
Understanding ratesWhat happens when your fix ends?
Understand EIBOR and your follow-on rate.
Read the guide
Know your optionsIslamic or conventional finance?
The differences that matter to your decision.
Read the guideUnderstanding your follow-on rate
What happens when EIBOR changes?
EIBOR is the benchmark used in many variable mortgage rates. Explore the trend and see how a change could affect your payments.
Understand the full picture
Look beyond the headline rate.
Compare the fixed period, follow-on rate and fees before you choose.
Show all 14 banks
Published rate table: 2 Nov 2026. Check each bank’s details for conditions and fee updates.
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Rates are annual reducing interest or profit rates. Alternative fixed periods can have different rates. EIBOR-linked follow-on rates can rise or fall. Fees, discounts and eligibility must be confirmed in your personal bank offer.
All mortgage productsIn 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.
Compare UAE mortgages