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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For British & UK buyers

UAE mortgages for British & UK buyers.

British expats living in the UAE, and UK-based investors buying from home, both turn to YOUAE for clear, whole-of-market mortgage advice on Dubai and UAE property.

Get pre-approved free Non-resident mortgages
Estimate your payment
Property price
AED
Down payment
%
Down payment (AED)
AED
Loan amount
AED
Interest rate
%
Your age
yrs
Loan tenure
Max 25 yrs for age 35 (loan must end by 70).
Monthly paymentAED 6,501
Loan amount
AED 1,200,000
Total interest
AED 750,257
Total repayable
AED 1,950,257
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If you're a UAE resident

UAE-resident British nationals can borrow up to 80% of the value on a first home (75% above AED 5M), just like any resident — often an attractive step up from renting in Dubai.

If you're buying from abroad

UK-based buyers can finance UAE property as non-residents, generally up to 50–75% of the value. Several UAE lenders are comfortable with UK income and are well set up for non-resident applications.

How we help British & UK buyers

  • Finance as a UAE resident (up to 80% LTV) or as a UK non-resident (typically 50–75%).
  • UK salary, self-employment or company income can usually be assessed by the right lender.
  • Buy remotely from the UK via a Power of Attorney, with YOUAE managing the process.
  • We compare every UAE bank to find the lenders most comfortable with UK applicants.

Compare lenders & costs

We compare every major UAE bank for your profile — see also our Dubai mortgages guide, the calculators, and the full cost of buying. Whether you're resident or investing from abroad, we manage it end to end.

FAQs — mortgages for British & UK buyers

Can a British citizen buy property in Dubai?

Yes. British nationals can buy freehold property in Dubai's designated areas. Residents can finance up to 80% of the value; UK-based non-residents typically up to 50–75%.

Can I get a UAE mortgage with UK income?

Yes — several UAE lenders assess UK salary, self-employed or company income for non-resident mortgages. We identify the banks best suited to your profile.

Can I buy in Dubai without leaving the UK?

Yes, many UK clients buy remotely using a Power of Attorney. YOUAE coordinates the mortgage, valuation and transfer so you don't need to travel for every step.

Ready to finance your UAE home?

Free, no-obligation advice. We compare every UAE lender and manage it end to end.

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