Mashreq Mortgage in the UAE
Mashreq home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
Mashreq is a long-established UAE bank known for a fast, digital-first mortgage process. It serves residents and expats with fixed and variable home loans, and Sharia-compliant options through Mashreq Al Islami. Speed is a strength — but the best rate for you may sit elsewhere, which is why we compare Mashreq against the whole market.
Mashreq mortgage at a glance
Verified pricing plus current public and broker-channel criteria, before the bank assesses your file.
| Indicative starting rate | From ~3.99% p.a. from Mortgease’s latest verified broker pricing; final offer controls. |
|---|---|
| Minimum income & residency | Mashreq’s public page currently says monthly income starts from AED 15,000, or average monthly balances start from AED 25,000 for non-residents. A broker eligibility update received 27 August states AED 40,000 minimum salary for its non-resident salary route. Confirm the applicable route before submission. |
| Salary transfer | Salary transfer is not stated as a universal eligibility condition on the resident product page, but it can change pricing and benefits. Mashreq advertises an AED 2,625 valuation cashback for qualifying salary-transfer customers, subject to terms. |
| Fixed period & reversion | Mashreq offers fixed-and-variable structures. After the fixed period, published variable pricing is linked to 3-month EIBOR + a fixed margin, reviewed quarterly; the offer letter controls the margin and any floor. |
| Key fees | Published property valuation: AED 2,625. Pre-approval fee: AED 1,050 before any active waiver. Early settlement is subject to the offer letter and the published cap; insurance charges also apply. |
| Self-employed & non-resident | Self-employed cases are assessed on business and income evidence; Mortgease confirms the current policy before submission. For the non-resident route, a broker eligibility update received 27 August 2026 states a maximum 60% LTV where finance is up to AED 5 million and 50% LTV above AED 5 million, with six months’ bank statements and the applicable balance criterion met in at least four of those six months. Mashreq’s public page still shows a broader headline of up to 80% financing, so the live route must be reconfirmed — the final bank offer controls. |
Public-product facts checked against Mashreq’s home-loan page, mortgage KFS and service charges. Route-level non-resident criteria are from a Mortgease broker circular received 27 August 2026. The pricing grid was reconfirmed and extended through 30 September 2026 in a later broker-channel circular dated 1 September. Mortgease reconfirms the current route and final bank offer before you proceed.
Is Mashreq 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 Mashreq's current indicative rate for your profile, free.
Why get your Mashreq mortgage through Mortgease?
- We compare Mashreq 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.
Mashreq mortgage policy updates
What actually changed at Mashreq, 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.
- Mashreq mortgage pricing extended to 30 September 2026
1 September 2026 — Current premium and standard pricing continues through September, with qualification bands and headline fixed rates unchanged. - Mashreq non-resident eligibility update — AED 40K salary and revised LTV bands
27 August 2026 — The broker update indicates AED 40,000 minimum salary, maximum 60% LTV up to AED 5 million finance and 50% above, plus a six-month banking-history test. Public and broker criteria are shown separately. - Mashreq extends its pricing into August — rates unchanged, AED 1,050 pre-approval fee waiver now runs to 31 August (3 August 2026)
3 August 2026 — Mashreq has extended its existing mortgage pricing and terms through August 2026. Nothing moves on rate this month: the change worth diarising is that the AED 1,050 pre-approval fee waiver… - Mashreq eases high-risk-segment LTV caps — 70% reinstated for key sectors, 60% for the rest
16 July 2026 — Further to its 14 July mortgage policy revision, Mashreq has revised LTV limits for its high-risk borrower segments, effective 16 July 2026. The interim rule — a flat 60% LTV/FTV cap across… - Mashreq revises mortgage policy — min income, property caps, non-resident buyout to 50% LTV (14 July 2026)
14 July 2026 — Mashreq has issued a revision to its mortgage policy, effective immediately (14 July 2026). This is a policy update rather than a pricing change — it reinstates minimum income rules and… - Mashreq extends mortgage pricing to 30 June 2026 — AED 1,050 fee waiver continues, Neo Plus valuation refund discontinued
2 June 2026 — Mashreq Bank has extended its mortgage pricing promotion through 30 June 2026, and continued the AED 1,050 pre-approval fee waiver across all customer segments for the same period. At the… - Mashreq launches Off-Plan Mortgage financing — 50% LTV on under-construction Dubai property
2 June 2026 — Mashreq Bank has launched Off-Plan Mortgage financing — letting buyers of under-construction Dubai property secure a mortgage before handover. The product offers up to 50% loan-to-value and… - Mashreq extends May mortgage pricing — 0.25% rate increase on sub-AED 1M salaried loans, Neo Plus fee refund discontinuing
9 May 2026 — Mashreq Bank has extended its 2026 mortgage pricing through 31 May 2026, introducing a 0.25% rate increase on salaried loans under AED 1 million, refreshing Neo Plus valuation-fee-refund…
All UAE mortgage policy updates →
Mashreq mortgage FAQs
What are Mashreq's mortgage rates?
Is the Mashreq mortgage process fast?
Does Mashreq offer Islamic home finance?
How do I apply for a Mashreq mortgage?
Mashreq 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.