Emirates Islamic Mortgage in the UAE
Emirates Islamic home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
Emirates Islamic — the Islamic banking arm of the Emirates NBD group — offers Sharia-compliant home finance with a 3-year fixed from 3.99% for salary-transfer customers and a 1.79% + 3-month EIBOR follow-on. We compare it against relevant routes within our 14-bank coverage, conventional and Islamic, to confirm it's a suitable fit for your profile.
Indicative rate — we confirm Emirates Islamic's current indicative rate for your profile, free.
Why get your Emirates Islamic mortgage through Mortgease?
- We compare Emirates Islamic 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, with a bank pre-approval often takes 2–5 working days once documents are complete.
Emirates Islamic mortgage policy updates
What actually changed at Emirates Islamic, 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.
- Emirates Islamic cuts reversion margin in updated Home Finance pricing (valid to 31 August 2026)
2 July 2026 — Emirates Islamic has released updated Home Finance pricing valid until 31 August 2026 — and cut the variable reversion margin, making the post-fixed rate cheaper for new customers. - Emirates Islamic revises Expat Home Finance FTV — airlines reinstated, retail capped at 70%, hospitality & travel suspended
3 June 2026 — Emirates Islamic (EIB) has revised its Expat Home Finance Finance-to-Value (FTV) policy by industry sector. Airlines are reinstated to standard FTV, malls / shipping & logistics / retail… - EIB tightens FTV for expat financing — 70% cap for select sectors, freeze on unpaid leave
17 April 2026 — Emirates Islamic Bank (EIB) has issued a quiet but consequential policy update, restricting Finance-To-Value (FTV) for expat mortgage applicants in specific industries — and pausing… - EIB extends Home Finance pricing through 31 May 2026
2 April 2026 — Emirates Islamic Bank (EIB) has extended its current Home Finance pricing structure through 31 May 2026. Combined with the bank’s recent FTV policy tightening, the picture is one of…
All UAE mortgage policy updates →
Emirates Islamic mortgage FAQs
What are Emirates Islamic's mortgage rates?
Is Emirates Islamic good for self-employed borrowers?
Can expats get a Emirates Islamic mortgage?
How do I apply for a Emirates Islamic mortgage?
Emirates Islamic guides: Mortgage calculator → · Mortgage buyout → · Self-employed mortgage →
Full mortgage calculator → · Check your eligibility → · All banks →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we review relevant lender routes with no client brokerage fee.