Important: MortgageCompare.ae is an independent information platform. We are not a licensed financial advisor, mortgage broker, or lender. Mortgage rates, eligibility figures, and all other content on this site are indicative only and do not constitute financial advice. You must obtain independent professional advice and verify all information directly with your chosen bank before making any financial or property decision.
1. Not Financial Advice
All content published on MortgageCompare.ae — including mortgage rate tables, eligibility calculators, guides, knowledge-hub articles, blog posts, and EIBOR data — is provided for general informational purposes only. Nothing on this Site constitutes financial, legal, tax, investment, or mortgage advice.
MortgageCompare.ae is not authorised or regulated by the Central Bank of the UAE (CBUAE), the Dubai Financial Services Authority (DFSA), the Abu Dhabi Global Market Financial Services Regulatory Authority (ADGM FSRA), or any other financial services regulator in the UAE or internationally, in a capacity that permits us to give regulated financial advice or arrange mortgages.
Before making any mortgage application, property purchase, or related financial decision, you should seek advice from a licensed mortgage broker, an independent financial advisor regulated by the CBUAE or DFSA/ADGM FSRA, and/or a qualified legal professional.
2. Mortgage Rate Data
Mortgage rates displayed on this Site are indicative reducing-balance annual percentage rates sourced from publicly available information including bank websites, published product documentation, press releases, and market intelligence. We update this data regularly, but we cannot guarantee that rates shown are current, accurate, or available at the time you access them.
Mortgage rates are subject to change at any time without notice by the issuing bank. The rate you are offered by a bank will depend on your individual profile, the specific property, prevailing market conditions at the time of application, and the bank's current internal pricing. The rates shown on this Site should be treated as a starting point for your research only.
EIBOR (Emirates Interbank Offered Rate) data shown on this Site is sourced from publicly available benchmark publications. EIBOR changes daily. Always confirm the current EIBOR rate directly with your bank or the UAE Central Bank before calculating mortgage repayment estimates.
3. Eligibility Estimates
The mortgage eligibility checker tool on this Site produces indicative estimates only. Calculations are based on the CBUAE's published Consumer Protection Regulation framework, including the 50% Debt Burden Ratio (DBR) guideline. These estimates:
- Are not pre-approvals and are not binding on any bank or lender
- Do not take into account your full credit history, AECB credit score, or outstanding liabilities not disclosed in the tool
- Do not account for bank-specific policies, internal credit scoring, or underwriting criteria
- May differ materially from an actual bank eligibility decision
- Are based on generalised assumptions that may not reflect your personal circumstances
A formal mortgage pre-approval from your chosen bank is the only reliable indicator of actual eligibility.
4. Property and Market Information
Any reference to UAE property prices, rental yields, area guides, or market trends published on this Site is for general context only. Property values change constantly and vary significantly by location, unit type, developer, and market conditions. MortgageCompare.ae does not conduct independent property valuations and does not warrant the accuracy of any property price data referenced.
Past property price performance and historical mortgage rate trends do not guarantee future outcomes. Property investment carries risk, including the risk of capital loss.
5. Third-Party Professionals
Where MortgageCompare.ae facilitates an introduction to a mortgage professional, financial advisor, or real estate agent in response to an enquiry submitted through this Site, that professional is an independent third party. MortgageCompare.ae does not vet, endorse, supervise, or accept liability for the advice, services, or conduct of any third-party professional introduced through the Site.
You are responsible for conducting your own due diligence on any professional you engage, including verifying their regulatory status and credentials.
6. External Links
This Site contains links to third-party websites including bank product pages, government portals (such as the CBUAE, Dubai Land Department, DLD, and Oqood), and news sources. These links are provided for convenience only. MortgageCompare.ae does not control the content of third-party websites and accepts no responsibility for their accuracy, availability, or practices.
7. Currency and Calculations
All monetary figures on this Site are quoted in UAE Dirhams (AED) unless otherwise stated. Mortgage repayment calculations use standard reducing-balance amortisation formulas. Calculator outputs are estimates only and do not account for fees, charges, insurance premiums, early settlement penalties, or other costs that may apply to a real mortgage product. The total cost of a mortgage will always exceed the figures shown by any calculator on this Site.
8. Regulatory Framework Reference
Where this Site references CBUAE regulations, mortgage caps, Debt Burden Ratio limits, or other regulatory requirements, such references are provided for informational context only. Regulations are subject to change. Always verify current regulatory requirements directly with the CBUAE or a licensed professional. References to specific regulations on this Site should not be construed as legal interpretation.
9. Availability of the Site
MortgageCompare.ae does not guarantee that the Site will be available at any given time, free from errors, or free from harmful components such as viruses. We reserve the right to suspend, modify, or withdraw the Site at any time without notice.
10. Limitation of Liability
To the maximum extent permitted under the laws of the UAE, MortgageCompare.ae, its operators, directors, employees, and affiliates disclaim all liability for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, any content or tool on this Site. This includes but is not limited to financial loss, loss of a property transaction, or any decision made based on rate data, eligibility estimates, or editorial content published here.
11. Governing Law
This Disclaimer is governed by the laws of the United Arab Emirates. Disputes shall be subject to the jurisdiction of the courts of the Emirate of Dubai.
12. Related Documents
This Disclaimer should be read alongside our Terms of Use and Privacy Policy, which together govern your use of this Site.
13. Contact
For questions about this Disclaimer, contact us via the contact page.