UAE RATES as of 23 Jul 2026
UAE Base Rate 3.65% — 1M EIBOR 3.78% — 3M EIBOR 3.80% — 6M EIBOR 3.89% — 12M EIBOR 4.15% — Emirates NBD from 3.96% First Abu Dhabi Bank from 3.86% ADCB from 4.12% Mashreq from 4.22% HSBC from 3.91% Dubai Islamic Bank from 4.07% Abu Dhabi Islamic Bank from 4.17% RAKBANK from 4.12% Standard Chartered from 3.95% Emirates Islamic from 4.02% Sharjah Islamic Bank from 4.15% Ajman Bank from 4.20% Invest Bank from 4.25% United Arab Bank from 4.22% Arab Bank from 4.18% Commercial Bank of Dubai from 4.00% National Bank of Fujairah from 4.15%
UAE Base Rate 3.65% — 1M EIBOR 3.78% — 3M EIBOR 3.80% — 6M EIBOR 3.89% — 12M EIBOR 4.15% — Emirates NBD from 3.96% First Abu Dhabi Bank from 3.86% ADCB from 4.12% Mashreq from 4.22% HSBC from 3.91% Dubai Islamic Bank from 4.07% Abu Dhabi Islamic Bank from 4.17% RAKBANK from 4.12% Standard Chartered from 3.95% Emirates Islamic from 4.02% Sharjah Islamic Bank from 4.15% Ajman Bank from 4.20% Invest Bank from 4.25% United Arab Bank from 4.22% Arab Bank from 4.18% Commercial Bank of Dubai from 4.00% National Bank of Fujairah from 4.15%
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FAQ

FAQ What is a mortgage? A mortgage is a loan given to enable you to purchase a property for residential, investment or commercial purposes. The loan is secured by the lender against the property you purchase. A mortgage is repaid in monthly installments to the lender, which normally includes a rate of interest/profit and an

FAQ

A mortgage is a loan given to enable you to purchase a property for residential, investment or commercial purposes. The loan is secured by the lender against the property you purchase. A mortgage is repaid in monthly instalments to the lender, which normally includes a rate of interest/profit and an amount towards the original amount borrowed.

  • Residential mortgages

  • Investment mortgages

  • Non-resident mortgages

  • Commercial mortgages

  • Rent only mortgages

  • Fixed and floating rate mortgages

  • Offset mortgages

  • Interest only mortgages

  • Fixed payment mortgages

  • Land and construction mortgages

  • 15% for UAE nationals

  • 20% for expat residents

  • 25% for UAE nationals

  • 30% for expat residents

  • Your lifestyle

  • The type of property you want to buy

  • The loan amount you need

  • The cash deposit amount you can manage to pay

YOUAE Mortgages allows you to be confident of your mortgage decisions while providing insightful expert advice along the way.

We take the protection of your personal information very seriously. We use 256-bit SSL/TLS encryption for storing and accessing your documents — your data is fully secured.

You can start the process to purchase a property here, or you can start here if it is a refinance.

Speak to a UAE mortgage specialist.

Free, no-obligation advice. We compare every major lender and manage the process end to end.

Get pre-approved or call 800 MORTGAGES