Get in touch
Home UAE Mortgage Rates Mortgage Calculator Eligibility Calculator DBR Calculator Banks Projects Guides Blog Bank Updates FAQs About Get in touch

Compare UAE Mortgage Banks

Shortlist lender routes by indicative rate, eligibility, fees and mortgage structure — then ask an advisor to review your profile.

Mortg Ease places cases with a panel of 18+ UAE banks. We publish a full guide for 14 of them and a rate card for the 13 priced in our 21 September 2026 pricing file. The rest of the panel is compared for you on a live case.

Looking only for today’s pricing? Open the live UAE mortgage-rate tracker. Want the strategy behind the numbers? Read our best-rates guide.

Use this hub to understand 14 UAE bank routes before you apply. Each bank page separates indicative pricing from public eligibility evidence, but a bank’s current Key Facts Statement (KFS), credit assessment and final offer always control.

Three different jobs, three useful pages. This page helps you compare lender fit. The rate tracker shows the latest indicative pricing in one table, while each bank guide explains that lender’s public requirements and links to its calculator.

Start with your situation

Your income type, residency and mortgage goal often narrow the useful lender routes before the headline rate does.

Salaried UAE residentCompare published income rules, salary-transfer conditions and reversion. Self-employed applicantSee the business documents and assessment issues that matter first. Non-resident buyerCheck deposit, overseas-income and eligible-property considerations. Refinance or buyoutCompare total switching cost, valuation and post-fixed-period pricing. Islamic home financeCompare profit-rate structure, documentation and KFS disclosures. Not sure what you qualify for?Estimate borrowing power first, then shortlist relevant banks.

How to compare banks properly

A low initial rate is only one input. Review the following items together and confirm them in the lender’s current KFS and final offer.

1. Profile eligibilityResidency, income type, employer or business history, age and debt burden.
2. Initial pricingFixed or variable rate, fixed-period length and profile-specific conditions.
3. Reversion structureEIBOR tenor, bank margin, rate floor and when the rate resets.
4. Total feesProcessing, valuation, account, insurance and early-settlement charges.
5. Property fitLocation, completion status, developer, valuation and loan-to-value limits.
6. Execution riskDocuments, valuation timing, offer validity and transaction deadline.

Five lender guides to inspect first

These examples illustrate different lender routes; they are not a ranking. Start with the indicative rate, then check the published income rule, reversion structure and profile eligibility. Pricing last verified .

BankIndicative ratePublished minimumRate structurePublic route / verify
Dubai Islamic Bank →From ~3.95% p.a.No single public MyHome minimum3/5-year fixed options; then margin + chosen EIBOR reviewIslamic finance, no mandatory salary transfer, selected self-employed/non-resident options
HSBC UAE →From ~4.05% p.a.AED 15,000/monthVariable pricing tracks 3-month EIBOR; fixed availability variesResidents/non-residents and relationship-banking customers
ADIB →From ~3.99% p.a.No single public universal minimumPublic 3-year fixed illustration; then 1-month EIBOR + margin/floorIslamic home finance for UAE nationals and resident expatriates
Mashreq →From ~3.99% p.a.AED 15,000/monthFixed then 3-month EIBOR + marginSalaried, self-employed and a separate non-resident route
Emirates NBD →From ~3.89% p.a.AED 10,000 national / AED 15,000 resident2/3/5-year fixed options; then EIBOR + marginResident, self-employed and selected non-resident profiles

Indicative rates come from Mortgease’s verified broker-pricing set. Eligibility and structure summaries are checked against each bank’s public product pages and KFS; final approval and offer terms always control.

One profile, relevant lender routes.A senior advisor can review approval fit and total-cost factors before you make multiple direct applications.

Request a profile review →

Ajman Bank

Rates, eligibility & calculator

View →

Arab Bank

Rates, eligibility & calculator

View →

Emirates Islamic

Rates, eligibility & calculator

View →

Sharjah Islamic Bank

Rates, eligibility & calculator

View →

United Arab Bank

Rates, eligibility & calculator

View →

Emirates NBD

Rates, eligibility & calculator

View →

FAB

Rates, eligibility & calculator

View →

Dubai Islamic Bank

Rates, eligibility & calculator

View →

Mashreq

Rates, eligibility & calculator

View →

RAKBANK

Rates, eligibility & calculator

View →

ADIB

Rates, eligibility & calculator

View →

Standard Chartered

Rates, eligibility & calculator

View →

Commercial Bank of Dubai

Rates, eligibility & calculator

View →

HSBC

Rates, eligibility & calculator

View →

How to choose the right bank for your mortgage

The most suitable lender can change with the applicant, property and timing. The headline rate is only part of the picture — the follow-on (reversion) rate after an introductory period, fees, salary-transfer conditions, and how a bank assesses your income and property can all change the real cost. That’s why a structured comparison matters more than one advertised number.

What differs from bank to bank

  • Fixed rate & period — current pricing varies by bank, product and profile. A shorter fix can revert sooner, so compare the whole structure rather than the first instalment alone.
  • Follow-on rate — many products move to an EIBOR-linked rate after the fixed period. Check the EIBOR tenor, bank margin, rate floor and reset frequency in the KFS.
  • Salary transfer — requirements and any pricing benefit vary by lender and product. Confirm whether a linked account, salary credit or minimum balance is part of the offer.
  • Fees — processing, valuation, insurance, account and early-settlement charges differ. Compare the current KFS and price guide rather than relying on a market-wide fee range.
  • Eligibility — lenders apply their own credit policies to income, employer or business history, existing liabilities, property and valuation. Approval cannot be inferred from a headline rate.

Islamic vs conventional home finance

UAE lenders offer both Sharia-compliant home finance and conventional mortgages. Compare the full payment structure, variable benchmark, fees, insurance or takaful, early-settlement terms and legal documents. Similar-looking monthly payments do not necessarily mean identical total cost or contract terms.

Compare before you commit

Start with the UAE mortgage rates tracker for current indicative pricing and the Mortgage Rate Index for the market trend. Then estimate your borrowing power and debt-burden ratio, model repayments with the mortgage calculator, and request a profile review. Mortg Ease can begin reviewing the information within 24 hours; each lender controls its assessment, timing and final offer.

Bank mortgage FAQs

Which UAE bank has the lowest mortgage rate?
It changes with bank pricing and your profile. The comparison table and rates tracker update from Mortgease’s latest verified pricing, but the lowest headline rate is not always the lowest total cost after fees and reversion.
Do I have to transfer my salary to get a mortgage?
Not always. Salary-transfer requirements and pricing benefits vary by lender and product. Confirm the requirement, account conditions and total cost in the bank’s current KFS and final offer.
Can I compare UAE mortgage banks in one place?
This hub brings together 14 UAE bank guides and helps you shortlist relevant lender routes by profile. A Mortg Ease advisor can review your documents and identify suitable options, subject to lender criteria and approval.
Does using a broker cost me more?
Mortg Ease does not charge the client a brokerage fee. A lender may pay Mortg Ease a commission if a mortgage completes. Bank, valuation, insurance and government charges can still apply, and using a broker does not guarantee the lowest rate or approval.

Important: Rates shown are indicative and can change. This page is general information, not a credit decision or personal financial advice. Confirm all terms in the lender’s current KFS and final offer before committing.

Work out the numbers at a specific bank

Each calculator opens with the bank’s indicative rate currently recorded in our verified broker-pricing set. Use the result as an illustration; the lender’s current KFS and final offer control.

Standard Chartered is on our panel but was not in the bank pricing file we received on 21 September 2026. The only figure we hold for it is 4.29% from the 19 August 2026 set, which we have not reconfirmed, so it is left out of the rate comparisons on this site until the bank confirms its current pricing.