Rates & Calculators

Best UAE mortgage rate ; in one place; live, sortable

Daily lender pricing across every buyer profile — residents, non-residents, employed and self-employed. Numbers refresh each morning from 20+ UAE lenders.

Current rates

Rates by buyer profile

Employed Resident

Starting from

3.78%

Property insuranceAnnual · on outstanding balance

0.005% p.a.

Life insuranceMonthly · on outstanding balance

0.018% p.m.

Max LTVFirst property · ready

80%

Max tenor

Up to 25 yrs

Rates shown are indicative and subject to lender credit assessment. Final pricing depends on loan-to-value, income profile, and lender approval. Contact an advisor for a personalised illustration.

Rate drivers

What shapes your final rate

The rates above are starting points. Your actual offer depends on several lender-specific factors assessed during underwriting.

Loan-to-value (LTV)

lendersDetermines the bank contribution for your property purchase and your downpayment requirement.

Employment type

Salaried applicants typically qualify at lower margins than self-employed.

Residency status

Residents access wider lender panel than non-residents.

Fixed vs variable

Fixed periods of 1–5 years provide certainty before reverting to variable rates.

Insurance wrap

Property and life cover are required by most lenders and affect the true cost.

EIBOR movement

Variable rates track the Emirates Interbank Offered Rate plus a fixed margin.