{"id":2024,"date":"2025-06-18T15:17:19","date_gmt":"2025-06-18T11:17:19","guid":{"rendered":"https:\/\/moneymall.ae\/credit-blog\/?p=2024"},"modified":"2025-06-18T15:20:36","modified_gmt":"2025-06-18T11:20:36","slug":"mortgage-rates-in-dubai","status":"publish","type":"post","link":"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/","title":{"rendered":"2025 Guide: Why Mortgage Rates in Dubai Aren\u2019t the Only Thing That Matters"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Just looking into the advertised <strong>mortgage<\/strong> <\/span><b>rates<\/b><span style=\"font-weight: 400;\"> in Dubai while taking a home mortgage finance is a primary mistake that every borrower makes. Mortgage <\/span><b>Interest rates<\/b><span style=\"font-weight: 400;\"> are not the only thing that will give you the best deal on your mortgage. There are a bunch of costs that are involved in acquiring a<\/span><b> mortgage<\/b><span style=\"font-weight: 400;\">. They may include arrangement and processing fees, life insurance, and other charges that come due in order to get the loan.<\/span><\/p>\n<p>Navigating the property market in Dubai can feel like a daunting task, especially with the ever-changing landscape of mortgage rates in 2025. Understanding the nuances of these rates is crucial for anyone looking to invest in this vibrant city. Whether you\u2019re a first-time buyer or a seasoned investor, grasping the intricacies of Dubai\u2019s mortgage offerings can unlock opportunities that suit your financial goals. From fluctuating interest rates to tailored financing options, this guide will equip you with the essential knowledge to make informed decisions. Delve into the latest insights, expert tips, and strategies that will navigate you through the complexities of mortgage rates, ensuring you secure the best possible deal. Ready to turn your dream of owning property in Dubai into reality? Let\u2019s dive in and unveil the secrets to mastering Dubai&#8217;s mortgage landscape in 2025!<\/p>\n<p><span style=\"font-weight: 400;\">So, before acquiring a mortgage, consider this thing to get the best deal.<\/span><\/p>\n<h3 data-start=\"299\" data-end=\"354\"><span class=\"ez-toc-section\" id=\"Mortgage_Rates_in_Dubai_2025_Update\"><\/span><strong data-start=\"306\" data-end=\"354\">Mortgage Rates in Dubai (2025 Update)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"356\" data-end=\"470\">Mortgage interest rates in the UAE are currently ranging between <strong data-start=\"421\" data-end=\"439\">3.25% to 5.25%<\/strong> as of June 2025, depending on:<\/p>\n<ul data-start=\"472\" data-end=\"656\">\n<li data-start=\"472\" data-end=\"510\">\n<p data-start=\"474\" data-end=\"510\"><strong data-start=\"474\" data-end=\"495\">Fixed vs Variable<\/strong> rate options<\/p>\n<\/li>\n<li data-start=\"511\" data-end=\"540\">\n<p data-start=\"513\" data-end=\"540\">Loan-to-value ratio (LTV)<\/p>\n<\/li>\n<li data-start=\"541\" data-end=\"587\">\n<p data-start=\"543\" data-end=\"587\">Borrower\u2019s income profile and credit score<\/p>\n<\/li>\n<li data-start=\"588\" data-end=\"618\">\n<p data-start=\"590\" data-end=\"618\">Property type and location<\/p>\n<\/li>\n<li data-start=\"619\" data-end=\"656\">\n<p data-start=\"621\" data-end=\"656\">Whether salary transfer is involved<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"658\" data-end=\"822\">\ud83d\udca1 <strong data-start=\"661\" data-end=\"688\">Fixed rates (1\u20133 years)<\/strong> are still common starting at <strong data-start=\"718\" data-end=\"727\">3.25%<\/strong>, while <strong data-start=\"735\" data-end=\"766\">EIBOR-linked variable rates<\/strong> float around <strong data-start=\"780\" data-end=\"789\">4.5%+<\/strong>, depending on the bank\u2019s margin.<\/p>\n<hr data-start=\"824\" data-end=\"827\" \/>\n<h2 data-start=\"829\" data-end=\"889\"><span class=\"ez-toc-section\" id=\"How_Are_Mortgage_Rates_Determined_in_Dubai\"><\/span>How Are Mortgage Rates Determined in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"891\" data-end=\"943\">Mortgage rates in the UAE are heavily influenced by:<\/p>\n<ul data-start=\"945\" data-end=\"1175\">\n<li data-start=\"945\" data-end=\"1024\">\n<p data-start=\"947\" data-end=\"1024\"><strong data-start=\"947\" data-end=\"990\">EIBOR (Emirates Interbank Offered Rate)<\/strong> \u2013 The local equivalent of LIBOR<\/p>\n<\/li>\n<li data-start=\"1025\" data-end=\"1115\">\n<p data-start=\"1027\" data-end=\"1115\"><strong data-start=\"1027\" data-end=\"1057\">UAE Central Bank base rate<\/strong> \u2013 Adjusted in line with US Federal Reserve rate changes<\/p>\n<\/li>\n<li data-start=\"1116\" data-end=\"1175\">\n<p data-start=\"1118\" data-end=\"1175\"><strong data-start=\"1118\" data-end=\"1150\">Bank-specific profit margins<\/strong> \u2013 Can vary 1.25% to 2.5%<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1177\" data-end=\"1332\">With inflation stabilising and the Fed pausing rate hikes, UAE interest rates have seen <strong data-start=\"1265\" data-end=\"1295\">marginal increases in 2025<\/strong>, but remain affordable historically.<\/p>\n<hr data-start=\"1334\" data-end=\"1337\" \/>\n<h2 data-start=\"1339\" data-end=\"1395\"><span class=\"ez-toc-section\" id=\"%F0%9F%86%95_Pro_Tip_New_2025_Rule_Affects_Your_Effective_Mortgage_Rates_in_Dubai\"><\/span>\ud83c\udd95 Pro Tip: New 2025 Rule Affects Your Effective Mortgage Rates in Dubai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1397\" data-end=\"1639\">As of February 2025, UAE banks <strong data-start=\"1428\" data-end=\"1470\">can no longer finance transaction fees<\/strong> (e.g. DLD, commission, trustee fee). These now need to be paid <strong data-start=\"1534\" data-end=\"1553\">upfront in cash<\/strong>, which affects your <strong data-start=\"1574\" data-end=\"1600\">true cost of borrowing<\/strong>, even if the interest rate seems low.<\/p>\n<p data-start=\"1641\" data-end=\"1722\">So, even a <strong data-start=\"1652\" data-end=\"1672\">3.25% fixed rate<\/strong> might not be the best deal if you&#8217;re also paying:<\/p>\n<ul data-start=\"1724\" data-end=\"1828\">\n<li data-start=\"1724\" data-end=\"1746\">\n<p data-start=\"1726\" data-end=\"1746\">1% arrangement fee<\/p>\n<\/li>\n<li data-start=\"1747\" data-end=\"1770\">\n<p data-start=\"1749\" data-end=\"1770\">0.7% life insurance<\/p>\n<\/li>\n<li data-start=\"1771\" data-end=\"1828\">\n<p data-start=\"1773\" data-end=\"1828\">DLD + commission + mortgage registration (6\u20137% upfront)<\/p>\n<\/li>\n<\/ul>\n<figure id=\"attachment_2027\" aria-describedby=\"caption-attachment-2027\" style=\"width: 394px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2027\" src=\"https:\/\/moneymall.ae\/credit-blog\/wp-content\/uploads\/2020\/12\/property.png\" alt=\"mortgage ratesin dubai\" width=\"394\" height=\"394\" \/><figcaption id=\"caption-attachment-2027\" class=\"wp-caption-text\">mortgage ratesin dubai<\/figcaption><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a28d22134f6c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a28d22134f6c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Mortgage_Rates_in_Dubai_2025_Update\" >Mortgage Rates in Dubai (2025 Update)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#How_Are_Mortgage_Rates_Determined_in_Dubai\" >How Are Mortgage Rates Determined in Dubai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#%F0%9F%86%95_Pro_Tip_New_2025_Rule_Affects_Your_Effective_Mortgage_Rates_in_Dubai\" >\ud83c\udd95 Pro Tip: New 2025 Rule Affects Your Effective Mortgage Rates in Dubai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Does_the_bank_charge_an_arrangement_or_processing_fee_If_so_how_much_is_this\" >Does the bank charge an arrangement or processing fee? If so, how much is this?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Do_you_have_to_take_the_banks_in-house_life_insurance_or_can_you_assign_a_policy\" >Do you have to take the bank\u2019s in-house life insurance or can you assign a policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Is_there_a_requirement_for_Salary_Transfer\" >Is there a requirement for Salary Transfer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#What_is_the_reversion_rate_or_second_period_rate_Is_this_linked_to_EIBOR_or_a_bank_base_rate\" >What is the reversion rate or second period rate? Is this linked to EIBOR or a bank base rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Are_overpayments_allowed_and_what_if_the_mortgage_is_settled_early\" >Are overpayments allowed and what if the mortgage is settled early?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Heres_how_all_of_this_impacts_the_headline_rate_youre_seeing\" >Here\u2019s how all of this impacts the headline rate you\u2019re seeing:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Compared_with_a_headline_rate_of_429_fixed_interest_rates_for_2_years\" >Compared with a headline rate of 4.29% fixed interest rates for 2 years:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#Focused_FAQs\" >Focused FAQs :<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#%F0%9F%94%8D_What_is_the_average_mortgage_rate_in_Dubai_in_2025\" >\ud83d\udd0d What is the average mortgage rate in Dubai in 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#%F0%9F%92%A1_Are_mortgage_rates_expected_to_go_up_in_Dubai\" >\ud83d\udca1 Are mortgage rates expected to go up in Dubai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/moneymall.ae\/credit-blog\/mortgage-rates-in-dubai\/#%F0%9F%8F%A0_Which_banks_offer_the_best_mortgage_rates_in_Dubai\" >\ud83c\udfe0 Which banks offer the best mortgage rates in Dubai?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Does_the_bank_charge_an_arrangement_or_processing_fee_If_so_how_much_is_this\"><\/span><b>Does the bank charge an arrangement or processing fee? If so, how much is this?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Few banks will not cost you any processing fees or charges, but many will charge 1.5 % or higher property value. These fees will greatly impact on your budget but they can also negotiate depends on your requirement. So be prepared of these charges while applying for a mortgage.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Do_you_have_to_take_the_banks_in-house_life_insurance_or_can_you_assign_a_policy\"><\/span><b>Do you have to take the bank\u2019s in-house life insurance or can you assign a policy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Life insurance is compulsory when you take a mortgage in the UAE. They will charge you separately from the loan for life insurance. Because this is the only way for the bank to guarantee the loan is paid in full in case of death. In general, they charge you 0.4% to 0.8% per annum on the decreasing <\/span><b>mortgage<\/b><span style=\"font-weight: 400;\"> balance, some ask for level term insurance. It will be benefitted if you assign an external life insurance policy that provides considerable savings.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_there_a_requirement_for_Salary_Transfer\"><\/span><b>Is there a requirement for Salary Transfer?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many banks will easily lend you a loan on a salary transfer account. Be cautious in doing so because on a salary transfer, your finances are appropriately managed by the banks. The salary transfer agreement will oblige you to advise the bank of any change of employment, even it is like move for a better-paid job. The banks will generally hit panic stations and assume the client will abscond, potentially freezing clients\u2019 accounts and funds.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_reversion_rate_or_second_period_rate_Is_this_linked_to_EIBOR_or_a_bank_base_rate\"><\/span><b>What is the reversion rate or second period rate? Is this linked to <a href=\"https:\/\/moneymall.ae\/credit-blog\/3-month-eibor-todays-rates\/\">EIBOR<\/a> or a bank base rate?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many banks tend to attract customers with a low rate of fixed-term loans between 1 to 5 years. But this fixed rate will revert once the introductory period ends .The reversion rate is a far higher rate that is a margin over EIBOR. If customers forget about the reversion rate they are forced to pay more interest after the fixed period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you can lessen your burden by remortgaging your property with a new or existing bank with a new rate. The UAE Central Bank regulation of a maximum penalty of 1% (and capped at AED 10,000 max.) to refinance a<\/span><b> mortgage<\/b><span style=\"font-weight: 400;\"> with another bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, you can opt a variable rate linked to EIBOR from the outset while taking a mortgage.You will not come across any reversion rate. But keep in mind the payments could go up (or down) from day one in line with EIBOR fluctuations.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Are_overpayments_allowed_and_what_if_the_mortgage_is_settled_early\"><\/span><b>Are overpayments allowed and what if the mortgage is settled early?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many people want to clear their debts as soon as possible at the time of the hike in their income. Many banks in UAE will offer you Overpayment allowance of 20% per annum penalty-free. This will reduce your interest rate and the loan period by paying a lump sum amount at a time. It is important to remember, that the UAE Central Bank now allows the banks to charge up to 3% on early settlement or overpayments without any cap. This should be applied in an appropriate and fair manner.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Heres_how_all_of_this_impacts_the_headline_rate_youre_seeing\"><\/span><b>Here\u2019s how all of this impacts the headline rate you\u2019re seeing:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In the UAE, the Interest rate will range from 2.99 per cent to 5 per cent. So if you look the product only by the headline interest rate of 2.99 % this will attract many but you may not aware of internal charges so here we give you a comparison to a rate of 4.29%to consider what is potential of<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">1% arrangement fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">0.66% life insurance<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The requirement for Salary Transfer<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Reversion rate of after 1 year<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Compared_with_a_headline_rate_of_429_fixed_interest_rates_for_2_years\"><\/span><span style=\"font-weight: 400;\">Compared with a headline rate of 4.29% fixed interest rates for 2 years:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><span style=\"font-weight: 400;\">Zero arrangement fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">0.2% with external life insurance<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No requirement for Salary Transfer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00ac Reversion rate after 2 years of 4.99%<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Headline Rate\u00a0 \u00a0 2.99%\u00a0 \u00a0 vs\u00a0 4.29%<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Arrangement Fee\u00a0 \u00a0 1%\u00a0 \u00a0 vs\u00a0 0%<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Life Insurance\u00a0 \u00a0 0.66%\u00a0 \u00a0vs 0.20%<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Total Annual Percentage rate:\u00a0 \u00a0 4.65%\u00a0 vs\u00a0 4.49%<\/span><\/li>\n<\/ul>\n<h2 data-start=\"1835\" data-end=\"1877\"><span class=\"ez-toc-section\" id=\"Focused_FAQs\"><\/span>Focused FAQs :<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-start=\"1879\" data-end=\"1944\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%8D_What_is_the_average_mortgage_rate_in_Dubai_in_2025\"><\/span>\ud83d\udd0d What is the average mortgage rate in Dubai in 2025?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"1945\" data-end=\"2107\">As of June 2025, the average mortgage interest rate in the UAE ranges from <strong data-start=\"2020\" data-end=\"2038\">3.25% to 5.25%<\/strong>, depending on the bank and the type of mortgage (fixed or variable).<\/p>\n<h3 data-start=\"2109\" data-end=\"2160\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1_Are_mortgage_rates_expected_to_go_up_in_Dubai\"><\/span>\ud83d\udca1 Are mortgage rates expected to go up in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2161\" data-end=\"2374\">Mortgage rates in the UAE move in tandem with global interest rate trends, especially the <strong data-start=\"2251\" data-end=\"2273\">US Federal Reserve<\/strong>. Rates may hold steady or slightly increase in late 2025 depending on inflation and monetary policy.<\/p>\n<h3 data-start=\"2376\" data-end=\"2441\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0_Which_banks_offer_the_best_mortgage_rates_in_Dubai\"><\/span>\ud83c\udfe0 Which banks offer the best mortgage rates in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2442\" data-end=\"2636\">Banks like <strong data-start=\"2453\" data-end=\"2493\">Emirates NBD, ADIB, Mashreq, and FAB<\/strong> are among the top lenders. Rates vary depending on salary transfer, property type, and tenure. Always compare <strong data-start=\"2604\" data-end=\"2635\">APR, not just interest rate<\/strong>.<\/p>\n<p><code><script src=\"https:\/\/www.cognitoforms.com\/f\/seamless.js\" data-key=\"qWaAkeW7D0SK_NYW418FaQ\" data-form=\"3\"><\/script><\/code>\u00a0<\/p>\n<p><span style=\"font-weight: 400;\">Keywords: mortgage, mortgage in the uae, mortgage rates in uae, best mortgage UAE, mortgage interest rate<\/span><\/p>\n<div class=\"text\">\n<div class=\"text\">\n<div class=\"text\">\n<div class=\"text\">\n<div id=\"mntl-sc-block_1-0-54\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<div class=\"text\">\n<pre>Original Post Date : Dec 27, 2020 , Updated on : June 18, 2025<\/pre>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Just looking into the advertised mortgage rates in Dubai while taking a home mortgage finance is a primary mistake that [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2026,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"right-sidebar","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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