Dubai Mortgage and Home Loan Rates Compared (June 2026)

Jun 27
5 min read

If you are thinking about buying property in Dubai, your mortgage rate is the single most important number to pin down — because even a half-percentage-point difference moves your monthly payment by hundreds of dirhams over a 25-year term. The good news: following UAE Central Bank rate cuts in late 2025, home-loan rates in 2026 sit at some of the most competitive levels since 2021.

Below is a current, like-for-like comparison of mortgage rates from eight major UAE lenders — Emirates NBD, HSBC, FAB, ADCB, ADIB, RAKBANK, Mashreq and DIB — using consistent columns so you can compare apples with apples. All figures are indicative as of 27 June 2026; confirm directly with the bank or a licensed mortgage broker before acting.

I always tell friends to get three quotes before signing anything — rates are genuinely negotiable, especially if you have a low LTV and a clean salary history. The table below gives you a base to walk in with. — Angel

Rates as of 27 June 2026 — indicative only. Verify with the bank before acting. | 3-month EIBOR: 3.82% | 1-month EIBOR: 3.71% (Source: Central Bank of the UAE)

Bank	Type	Fixed Rate	Fixed Period	Reverts to	Max LTV	Min Salary (AED)	Notes
Emirates NBD	Conventional	3.75% p.a.	2-3 yr	3M EIBOR + 1.75%	80% expat / 85% national	15,000	Salary transfer preferred
HSBC	Conventional	3.70% p.a.*	2 yr	3M EIBOR + 1.19%	80%	15,000	*Premier/high-income; 0.5% arrangement fee for Premier
FAB	Conventional	3.99% p.a.*	1-3 yr	3M EIBOR + 1.50%	85% national / 80% expat	15,000	*With salary transfer; Y1 post-fixed at +0.55%
ADCB	Conventional	3.99% p.a.	2 yr	3M EIBOR + tiered margin	85%	8,000+	Tiered margin by LTV; broader product range
ADIB	Islamic (profit rate)	3.99% p.a.	3 yr	1M EIBOR + 1.79%	85%	10,000	Murabaha / Dim. Musharaka; Sharia-compliant
RAKBANK	Conventional	3.99% p.a.	2 yr	3M EIBOR + 1.65-1.99%	80%	8,000	No IPA fee; Dubai, Abu Dhabi, RAK
Mashreq	Conventional	4.10% p.a.	2 yr	3M EIBOR + margin	80%	15,000	Cashback promos available
DIB	Islamic (profit rate)	From 4.25% p.a.	3-5 yr	3M EIBOR + 1.00%	85%	10,000	Lowest variable spread; Ijarah; 3/6/12M EIBOR review

Rates are indicative and change frequently — confirm directly with the bank or a RERA-licensed UAE mortgage broker before acting.

How to read the table

A few terms that trip up first-time buyers, decoded plainly:

Fixed rate: The rate you pay during the initial fixed period. Your monthly payment stays constant for 1 to 5 years.
Reverts to (variable rate): After the fixed period your rate links to EIBOR plus the bank's fixed margin. At 3-month EIBOR of 3.82%, a margin of +1.75% gives a total variable rate of 5.57% today.
Max LTV: CBUAE rules cap expats at 80% LTV (20% deposit minimum) on properties under AED 5 million; UAE nationals at 85% (15% deposit).
Islamic vs conventional: Islamic home finance (ADIB, DIB) uses profit-rate contracts — Murabaha, Ijarah, Diminishing Musharaka — rather than interest. The effective monthly cost is broadly comparable.
Salary transfer: Several banks only unlock their headline rate if your salary is paid into their account. Always request the rate without salary transfer too.

Dubai's city skyline and waterfront — the market where these mortgage rates apply. Photo: Tobias Reich via Unsplash. — Dubai's waterfront skyline — one of the world's fastest-growing real estate markets and the city where all eight mortgage lenders in this comparison operate. Photo: Tobias Reich via Unsplash.

Who each option suits

First-time expat buyer (AED 1M to 3M property): HSBC and Emirates NBD lead on fixed rates for well-qualified expat professionals.
UAE national buyer: ADIB and DIB offer Islamic home finance at up to 85% LTV. DIB's post-fixed variable spread of EIBOR + 1.00% is the lowest in the peer set.
Lower salary or self-employed: ADCB and RAKBANK accept from AED 8,000 per month.
Investor (second property or off-plan): CBUAE caps LTV at 65% for non-primary residential properties. FAB and ADCB have the broadest investment mortgage product ranges.
Rate-certainty seeker: A 3-year fixed from ADIB (3.99%) or Emirates NBD (from 3.75%) locks your payment for three years.

What changes your rate

LTV ratio: Borrowing less relative to the property value improves your margin — typically 0.15 to 0.25 percent per LTV tier.
Salary transfer: Usually saves 0.25 to 0.50 percent.
Employment profile: Salaried employees on preferred-employer lists attract tighter margins.
Loan size: Loans above AED 2 million often attract better margins.
DBR cap: CBUAE caps total monthly debt obligations at 50% of gross salary.
Tenor: Maximum 25 years under CBUAE rules. Shorter tenor reduces bank risk and can improve your margin.

Representative Dubai apartment towers. Photo: Usman Mehmood via Unsplash. — Representative Dubai apartment towers — the residential property segment at the centre of the UAE home-loan market in 2026. Photo: Usman Mehmood via Unsplash.

Frequently asked questions

Can expats get a mortgage in Dubai?

Yes — all eight banks in this comparison lend to UAE-resident expats. You typically need: a valid UAE residency visa, at least 6 months in your current role, a monthly salary above the bank minimum, and a 20% deposit on properties priced under AED 5 million.

Fixed or floating — which is better right now?

With 3-month EIBOR at 3.82% and analyst consensus pointing to stable UAE Central Bank rates through 2026, a 3-year fixed at around 3.99% costs almost nothing extra versus today's floating rate — while giving payment certainty for three years.

What does EIBOR mean for my mortgage?

EIBOR (Emirates Interbank Offered Rate) is the benchmark rate published daily by the UAE Central Bank. Your floating mortgage rate equals EIBOR plus the bank's fixed margin. At 3-month EIBOR of 3.82% and a margin of +1.75%, the total variable rate is 5.57% today.

What are the upfront costs beyond the mortgage?

Budget for: DLD transfer fee at 4% of the purchase price; mortgage registration at 0.25% of the loan (capped at AED 10,000) plus AED 290; bank arrangement fee typically 0.5 to 1%; property valuation AED 2,500 to 3,500; and mandatory building insurance. Total acquisition costs typically run 6 to 8% of the purchase price.

Can I switch to a cheaper bank later?

Yes — mortgage balance transfers are common. The early settlement fee is typically 1% of the outstanding balance or AED 10,000, whichever is lower. Many buyers time the switch to the end of their fixed period to avoid early exit charges.

Pair it with

Dubai Off-Plan New Launches Tracker 2026 — live reference for current off-plan launches and payment plans in Dubai.
UAE Bonds and Sukuk Yields Guide — fixed-income options for money not used for the down-payment.
Dubai Flexi Rent: Pay Monthly, Quarterly or Yearly — not sure whether to rent or buy? Dubai's new flexible rental payment laws explained.

Sources

Central Bank of the UAE — EIBOR Rates (accessed 27 Jun 2026)
Emirates NBD — Home Loans (accessed 27 Jun 2026)
HSBC UAE — Mortgage Rates (accessed 27 Jun 2026)
FAB — Mortgage Loan (accessed 27 Jun 2026)
ADCB — Standard Mortgage Loan (accessed 27 Jun 2026)
ADIB — Home Finance (accessed 27 Jun 2026)
RAKBANK — Home Loan (accessed 27 Jun 2026)
DIB — House Finance (accessed 27 Jun 2026)
Mashreq — Home Loans (accessed 27 Jun 2026)

This is not financial advice. Rates shown are indicative as of 27 June 2026 and may change at any time — verify directly with the bank or a RERA-licensed UAE mortgage broker before making any financial decision.