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Find the Best Mortgage Rates in Dubai & UAE

Compare Top 10 Home Loan Interest Rate in Dubai, Abu Dhabi, Sharjah, UAE

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At MoneyMall , Our Mortgage Experts review and Compare
Mortgage rates and Home loans in Dubai & UAE on all parameters
like processing fees/arrangement fees, Early repayment fees,
Land Department, Property Registration charges, other associate fees
and much more to help you plan and save money on your dream home purchase.

First-time Home buyer Mortgage

Our Mortgage Advisers will help you in finding best home loan deals for first-time buyers, Will also guide you about extra costs like Property registration fees, Insurance fees and legal costs.

Home Mortgage Loan Balance Transfer

Save money by transferring your high cost mortgage loans. Find out all about how to switch your Home loan to a different bank or lender and reduce your repayments or finish your loan early.

We Compare more than 20 Lenders to find the best mortgage rate deal for you.

Because you deserve the best.

  • First Home Mortgage finance offers starts from 2.49% p.a.* 
  • Refinance/Cash Against Property Options are Available for UAE Nationals & Expats 
  • Best Land finance & Home Loan options for UAE Nationals

Top 10 Mortgage rates in Dubai & UAE for April 2023

*Starting Interest rates are offered for an Initial Period of time to qualified borrowers according to the promotional policies of the bank or mortgage lender                                           *Mortgage rates in UAE are subject to change anytime as per the discretion of the bank/lender, Please double check the Final Rates in your Facility offer letter before signing the Agreements.

* BANK / MORTGAGE LENDER INTEREST RATE MINIMUM SALARY REQUIREMENT  MAXIMUM    LOAN AMOUNT ISLAMIC 
1 FAB Mortgage Loan   2.49%
 (Reducing Rate
Fixed for 1 year)		 15,000 AED AED 20,000,000 NO
2 Standard Chartered Bank Mortgage Loan 1.49% + 3M EIBOR
(reducing rate)		 10,000 AED AED 18,000,000 NO
3 RAKBANK Home in One Mortgage Loan 1.99% + 3M EIBOR (reducing rate) 15,000 AED AED 20,000,000 NO
4 CBD Mortgage Loan for Expats 3.99%
 (reducing rate)		 12,000 AED AED 10,000,000 NO
5 United Arab Bank Home Finance  3.69%
(reducing rate)		 15,000 AED AED 10,000,000 NO
6 Mortgage for Self Employed 3.31%
(reducing rate)		 20,000 AED AED 10,000,000 NO
7 SCB Home Finance
 for Self Employed		 3.97%
 (reducing rate)		 50,000 AED AED 10,000,000 NO
* ISLAMIC HOME FINANCE PROVIDERS Profit Rate MINIMUM SALARY REQUIREMENT  MAXIMUM FINANCE AMOUNT ISLAMIC
8 ADIB Home Finance 3.25%
(reducing rate)		 10,000 AED AED 15,000,000 YES
9 DIB Home Finance 3.24% 
(reducing rate)		 12,000 AED AED 50,000,000 YES
10 Emirates Islamic Manzili Home Finance 3.49%
(reducing rate)		 15,000 AED AED 20,000,000 YES
MORTGAGE IN UAE
checkout the best mortgage rates in dubai
Apply Now to find the Best Home Mortgage Loan for you

Compare All Mortgage Offers from UAE Market for Home Loans

BankMortgage Product nameRepayment TenorDown Payment %Minimum Salary
(AED)		Reducing Rate %
Abu Dhabi FinanceAnchor for Businesses 1525%200006.67
Standard CharterdBalance Transfer Offer for Expatriates 2525100003.49
Standard CharterdBalance Transfer Offer for UAE Nationals 2520100003.49
NBADEscan Loan for Expats 2525250003.85
NBADEscan Loan for UAE Nationals 2520200003.85
CBD2yrs Fixed Mortgage Loans for Expats 2025250003.99
CBDIjarah Home Lease for Expatriates 2025250003.99
ADCBADCB Mortgage for Expatriates 2525150003.99
ADCBADCB Mortgage for UAE Nationals 252080003.99
AL Hilal BankEasy Buy Financing for UAE Nationals 2520200003.99
AL Hilal BankSwitch Over Home Financing for UAE Nationals 2520200003.99
AL Hilal BankHome Refinance for UAE Nationals 2520200003.99
AL Hilal BankEasy Buy Financing for Expats 2525200003.99
AL Hilal BankHome Refinance for Expats 2525200003.99
AL Hilal BankSwitch Over Home Financing for Expats 2525200003.99
AL WIFAQHome Finance for Expatriates 2525150003.99
AL WIFAQHome Finance for UAE Nationals 2520150003.99
CBD2yrs Fixed Mortgage Loans for UAE Nationals 2520200003.99
CBDIjarah Home Lease for UAE Nationals 2520200003.99
DUBAI ISLAMIC BANKAl Islami Home Finance for Expatriates 2525150003.49
EMIRATES ISLAMICManzili Variable Finance for UAE Nationals 2520200003.99
EMIRATES ISLAMICManzili Variable Home Finance for Expats 2525200003.99
MashreqIjara Home Finance 2520150003.99
Standard CharterdHome Suite Bundle Account for UAE Nationals 2520100003.99
Standard CharterdSaadiq Home Finance for UAE Nationals 2520100003.99
Standard CharterdHome Suite Bundle Account for Expatriates 2525100003.99
Standard CharterdSaadiq Home Finance for Expatriates 2525100003.99
UNBHome Finance for Expatriates 2525150003.49%
UNBHome Finance for UAE Nationals 2520150003.49%
DIBAl Islami Home Finance for UAE Nationals 302070003.99
Abu Dhabi FinanceEssence Variable Rate for UAE Residents 2525100004.17
Abu Dhabi FinanceEssence Variable Rate for UAE Nationals 2520100004.17
ENBD1yr Fixed Rate Home Loan for Expats 2525200004.24
ENBD1yr Fixed Rate Home Loan for UAE Nationals 2520100004.24
MashreqHome Loans for UAE Nationals 2520150004.25
MashreqHome Loans for Expatriates 2525150004.25
RAKMortgage Home Loans for UAE Nationals 2520150004.25
RAKMortgage Home Loans for Expatriates 2525150004.25
RAKAmal Home Finance for Expatriates 2525150004.25
RAKAmal Home Finance for UAE Nationals 2520150004.25
CBD3yrs Fixed Mortgage Loans for Expats 2025250004.49
CBD3yrs Fixed Mortgage Loans for UAE Nationals 2020200004.49
ADIBHome Finance for Expats 2525150002.99%
ADIBHome Finance for UAE Nationals 2520100002.99%
ENBD2yrs Fixed Rate Home Loan for UAE Nationals 2520100004.49
ENBD2yrs Fixed Rate Home Loan for Expats 2525100004.49
FGBHomes Mortgages for UAE Nationals 2520150004.49
FGBHomes Mortgages for Expats 2525150004.49
HSBCHSBC Home Loan for UAE Nationals 2520150004.49
HSBCHSBC Home Loans for Expats 2525150004.49
ADNIFMortgage Finance for UAE Nationals 2520250004.54
ADNIFMortgage Finance for Expatriates 2525250004.54
ENBD3yrs Fixed Rate Home Loan for UAE Nationals 2520100004.74
ENBD3yrs Fixed Rate Home Loan for Expats 2525100004.74
CBD5yrs Fixed Mortgage Loans for Expats 2025250003.49
CBD5yrs Fixed Mortgage Loans for UAE Nationals 2020200004.99
RAKRefinance / Equity Release for Expatriates 2525150004.99
RAKRefinance / Equity Release for UAE Nationals 2520150004.99
ENBD5yrs Fixed Rate Home Loan for UAE Nationals 2520100005.24
ENBD5yrs Fixed Rate Home Loan for Expats 2525100005.24
EMIRATES ISLAMICManzili Fixed Rate Home Finance for Expats 2525200005.99
EMIRATES ISLAMICManzili Fixed Rate Finance for UAE Nationals 2520200005.99
AL Hilal BankConstruction Financing for UAE Nationals 2520200006
AL Hilal BankLand and Construction Financing 2520200006
AL Hilal BankGovernment Housing Scheme for UAE Nationals 2520200006
Noor bankNoor Home Finance for UAE Nationals 2520100006.03
Noor bankNoor Home Finance for Expats 2525100006.03
Abu Dhabi FinanceCompass Non-Resident Mortgage 2525200005.42
Sharjah Islamic bankHome Finance for Nationals 2520250006.25
Sharjah Islamic bankHome Finance for Expats 2525250006.25
UAB1yr Fixed Rate Home Finance for UAE Nationals 2520150006.35
UAB1yr Fixed Rate Home Finance for Expatriates 2525200006.35
EMIRATES ISLAMICBina’a Home Finance for UAE Nationals 252080006.49
RAKMortgage Home Loans for Non-Residents 2520150006.5
UAB2yr Fixed Rate Home Finance for Expatriates 2525200007.01
UAB2yr Fixed Rate Home Finance for UAE Nationals 2520150007.01
UAB3yr Fixed Rate Home Finance for Expatriates 2525200007.66
UAB3yr Fixed Rate Home Finance for UAE Nationals 2520150007.66
HSBCHSBC Granted Land Loan for UAE Nationals 2525200008

Apply Now to find the Best Home Mortgage Loan for you

Frequently Asked Questions about Mortgage in UAE

Fixed rate Mortgage in UAE

Its a Mortgage Loan with an interest rate that stays the same for a set period. Your repayments are the same every month and you don’t need to worry about fluctuations in interest rates or EIBOR

–

Variable rate Mortgage 

In Variable Interest rates scheme your Mortgage rate in UAE get adjusted periodically, which means repayments installments will change throughout the loan term. Usually, the interest rate changes in relation to another rate called EIBOR or lenders banks own base rate in Dubai

EIBOR is the abbreviation of The Emirates Interbank Offered Rate,  EIBOR is a daily reference rate, published by the UAE Central Bank, based on the averaged interest rates at which UAE banks offer to lend unsecured funds to other banks in the United Arab Emirates dirham wholesale money market

Read About New EIBOR System

What is EIBOR Rate Today?

there is no specific cutoff score to avail mortgage in UAE but You have to manage your credit score at the best levels to get better mortgage deals. if you have a good credit score, so it’s worth making sure that your credit report is as good as it can be before applying for a mortgage. Steps like paying off any outstanding borrowed credit you owe will help to improve your credit score.

You can check your loan installment using our Mortgage Calculator for Dubai & UAE Mortgages 

Mortgage Calculator

If you are a Salaried UAE Resident, Following Documents may be required to Apply for a Mortgage in UAE:

  • Copy of valid passport with a valid residence visa for Expatriates and National ID for Nationals (original required for verification)
  • Copy of labor contract
  • Original Salary Certificate less than 45 days old providing details on length of employment, current designation and salary package OR
  • Last three months pay slips (if applicable)
  • Last 6 months bank statements reflecting salary credits
  • Liability letter less than 30 days old reflecting borrowings with the bank to which your salary is transferred
  • Originals of property details including the
    • Quote/Offer Letter from the seller,
    • Sale and Purchase agreement,
    • Title Deed and Site Plan
    • Receipts of the down payment made to the seller

A list of documents required for a mortgage from Self-Employed UAE Residents may include below:

  • Copy of valid passport with a valid residence visa for Expatriates and National ID for Nationals (original required for verification)
  • Business related documentation (originals required for verification)
    • Copy of trade license
    • Copy of Chamber of Commerce Registration
    • Copy of Partnership Page in case of multiple partners
    • Copy of Memorandum/Articles of Association
    • Original Audited Financials for the last 2 years
    • Copy of Labor Contract
  • Last 12 months Business Account Statements (6 months is acceptable but not preferred)
  • Last 6 months Personal Account Statements
  • Originals of property details including the
    • Quote/Offer Letter from the seller,
    • Sale and Purchase agreement,
    • Title Deed and Site Plan
    • Receipts of down payment made to the seller