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%

By nationality

UAE mortgages, by where you're from.

The lending rules are the same for everyone — up to 80% loan-to-value on a first home as a UAE resident, 50–75% as a non-resident. What differs is which banks are comfortable with your passport, your income documents and your source of funds. These guides set out what to expect, and we check current lender appetite before you apply.

American & US buyers American & US buyers British & UK buyers British & UK buyers Chinese buyers Chinese buyers Egyptian buyers Egyptian buyers GCC national buyers GCC nationals German & European buyers German & European buyers Indian & NRI buyers Indians and NRIs Nigerian buyers Nigerian buyers Pakistani buyers Pakistani buyers Russian buyers Russian buyers

Not listed? The process is the same whatever your nationality — talk to an advisor and we'll tell you which lenders are realistic for your profile. See also non-resident mortgages.