Emirates NBD Mortgage in the UAE
Emirates NBD home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
Emirates NBD is one of the UAE's largest banking groups, offering a broad range of home loans for residents, expats and non-residents — fixed and variable, with and without salary transfer. It's a popular choice for its product range and branch reach, but its headline rate isn't always the market's best, which is exactly why comparing it matters.
Emirates NBD mortgage at a glance
Verified pricing plus current public product criteria, before the bank assesses your file.
| Indicative starting rate | From ~3.89% p.a. from Mortgease’s latest verified broker pricing; final offer controls. |
|---|---|
| Minimum income & residency | AED 10,000 for UAE nationals or AED 15,000 for UAE residents. The bank also advertises selected non-resident home-loan options. |
| Salary transfer | Emirates NBD does not publish one universal salary-transfer condition for every home-loan product. Pricing and relationship benefits vary, so the final offer must state whether transfer is required. |
| Fixed period & reversion | Introductory fixed periods can be 2, 3 or 5 years. The KFS says the remaining term becomes variable at EIBOR + a fixed margin; 1-month and 6-month EIBOR review options are described. |
| Key fees | Published processing fee: 1.05% of the loan. Completed-property valuation: AED 3,150. Early settlement: 1.05% of outstanding principal or AED 10,500, whichever is lower. Campaign waivers may apply. |
| Self-employed & non-resident | Self-employed applicants are accepted; the published criterion says the company should have operated for at least 3 years. Selected non-resident home loans are advertised, with different eligibility and LTV. |
Public-product facts checked against Emirates NBD’s application criteria, home-loan KFS and schedule of charges. Public criteria can change; Mortgease verifies the final bank offer before you proceed.
Is Emirates NBD actually the best fit for your case?Compare the rate, reversion margin, fees and approval appetite within our 14-bank coverage.
Review this bank for my profile →Indicative rate — we confirm Emirates NBD's current indicative rate for your profile, free.
Why get your Emirates NBD mortgage through Mortgease?
- We compare Emirates NBD 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.
Emirates NBD mortgage policy updates
What actually changed at Emirates NBD, 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 NBD extends May 2026 pricing — PRB tagging, NIL PF restrictions, FTH valuation refund
14 May 2026 — Emirates NBD has extended its current Home Loan pricing through May 2026 — April’s rates carry forward unchanged. Alongside the extension, the bank has reiterated several policy positions… - Emirates NBD expands off-plan financing — Sobha Realty, Nakheel, Meraas added to developer panel
28 April 2026 — Emirates NBD has formalised new off-plan property financing partnerships with several of Dubai’s largest developers, broadening the range of projects eligible for ENBD home finance and… - Emirates NBD overhauls April mortgage pricing — 5-year fixed discontinued, processing fees return
10 April 2026 — Emirates NBD has rolled out the most significant mortgage repricing of Q2 so far. The headline change is the discontinuation of the 5-year fixed product, but several other adjustments —…
All UAE mortgage policy updates →
Emirates NBD mortgage FAQs
What are Emirates NBD's mortgage rates?
Can expats and non-residents get an Emirates NBD mortgage?
Does Emirates NBD offer Islamic home finance?
How do I apply for an Emirates NBD mortgage?
Emirates NBD guides: Mortgage calculator → · Mortgage buyout → · Self-employed mortgage →
Full mortgage calculator → · Check your eligibility → · All bank guides →
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.