Mortgage rates
UAE mortgage rates — how pricing really works
Rates move constantly and every bank prices a little differently, so a single “best rate” figure online is usually out of date. Here’s how UAE mortgage pricing works, so any quote makes sense — and how we get you today’s sharpest number.
Fixed rate
Your rate is locked for a set period — typically 1 to 5 years — giving predictable payments and protection if rates rise. After the fixed period it usually reverts to a variable rate.
Variable rate (EIBOR-linked)
Priced as EIBOR + a bank margin. When the Emirates Interbank Offered Rate moves, your payment moves with it — cheaper if rates fall, higher if they rise.
Which is right for you?
It depends on your plans and appetite for change. We compare both across our lender panel and show you the real cost of each for your situation.
What actually decides your rate
Two people rarely get the same rate. The main factors banks price on are:
- Loan-to-value — a bigger down payment usually earns a better rate
- Residency & income type — resident vs non-resident, salaried vs self-employed
- Property type and price — ready vs off-plan, residential vs commercial
- Salary transfer — some banks price lower if you bank with them
- Loan size and fixed period — longer fixed terms often carry a premium
Want today’s best rate?
Because live rates change week to week, we don’t publish a number that goes stale — we pull current offers across 10+ UAE banks for your exact profile and come back with the sharpest option. That comparison is free and puts you under no obligation.
Educational information only, not a quote, an approval, or an offer of finance. Actual rates and eligibility are set by the lender.
Get today’s best mortgage rate.
We compare live offers across the market and come back with your sharpest option — free, no obligation.