ADIB Mortgage in the UAE
ADIB home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
Abu Dhabi Islamic Bank (ADIB) is a leading Islamic bank offering Sharia-compliant home finance (Ijara and Murabaha structures) for residents and expats. If you want Islamic financing, ADIB is a strong shortlist option — but profit rates vary, so it's worth comparing ADIB against other Islamic and conventional lenders.
ADIB home finance at a glance
Verified pricing plus current public product criteria, before the bank assesses your file.
| Indicative starting profit rate | From ~3.99% p.a. from Mortgease’s latest verified broker pricing; final offer controls. |
|---|---|
| Minimum income & residency | ADIB does not publish one universal minimum income on its main home-finance page. UAE nationals and resident expatriates can apply, subject to affordability and credit policy. |
| Salary transfer | Requirements and pricing vary by product and customer segment. Confirm whether salary transfer is a condition of the quoted rate before accepting the offer. |
| Fixed period & reversion | The current public illustration uses a 3-year fixed profit rate. A broker update effective 1 September 2026 sets the buyout campaign’s non-salary-transfer route at 4.09% fixed for two years, with reversion terms unchanged. ADIB’s KFS says the illustrated product reverts to 1-month EIBOR + 1.60%, with a 3.10% floor; the final KFS and offer letter control your actual margin and floor. |
| Key fees | Published processing/advance-rental payment can be up to 2%, with a minimum of AED 5,000 and maximum of AED 30,000 where applicable. Valuation, insurance and campaign waivers must be confirmed for the selected product. |
| Self-employed & non-resident | Self-employed cases are assessed on business and income evidence. The public resident product does not establish a universal non-resident route, so Mortgease confirms current availability before submission. |
Public-product facts checked against ADIB’s Buy a House page, home-finance KFS and tariff board. The dated NSTL buyout rate and campaign expiry are from a broker-channel update effective 1 September 2026. Public criteria can change; Mortgease verifies the final bank offer before you proceed.
Is ADIB actually the best fit for your case?Compare the profit rate, reversion margin, fees and approval appetite within our 14-bank coverage.
Review this bank for my profile →Indicative rate — we confirm ADIB's current indicative rate for your profile, free.
Why get your ADIB mortgage through Mortgease?
- We compare ADIB against relevant routes within our 14-bank coverage — so you only take it if it's a suitable fit for your profile.
- with no client brokerage fee to you — a lender may pay Mortg Ease a commission on completion; bank and third-party charges can still apply.
- One senior advisor handles your file end to end; bank pre-approval often takes 2–5 working days once documents are complete.
ADIB mortgage policy updates
What actually changed at ADIB, and when. These are written up from the broker circulars we receive, not from the bank’s public pages — so they cover the criteria changes that never get announced.
- ADIB extends buyout campaign to 31 December; NSTL moves to 4.09%
1 September 2026 — The campaign now runs through year-end. Non-salary-transfer pricing is 4.09% fixed for two years; reversion terms are unchanged. - ADIB extends its buyout campaign to 30 August — pre-approval and valuation both required by the deadline
21 August 2026 — ADIB has extended its buyout campaign to 30 August 2026. To qualify a case must be pre-approved and the valuation instructed by that date, not merely submitted. The extension also covers… - FAB and ADIB refund valuation and early-settlement fees on buyout loans (2 July 2026)
2 July 2026 — First Abu Dhabi Bank (FAB) and ADIB are offering buyout customers a refund of the property valuation fee AND the early settlement fee after successful disbursement of the mortgage —… - ADIB launches 3.99% fixed buyout rate for Q2 2026 — valuation and early-settlement fees waived
8 April 2026 — Abu Dhabi Islamic Bank (ADIB) has introduced a sharply priced fixed-rate buyout offer at 3.99%, valid through the end of Q2 2026. Two fee waivers come bundled — but read the fine print… - ADIB introduces appointment-only process for Ajman Land Department transactions
6 April 2026 — ADIB has updated its workflow for Ajman property transactions in line with new Ajman Land Department procedures. The shift is operational, not financial — but it changes timelines…
All UAE mortgage policy updates →
ADIB mortgage FAQs
Is ADIB home finance Sharia-compliant?
What are ADIB's home finance rates?
Can expats get ADIB home finance?
How do I apply for ADIB home finance?
ADIB guides: Mortgage calculator → · Mortgage buyout → · Self-employed mortgage →
Full mortgage calculator → · Check your eligibility → · All bank guides →
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