RAKBANK Mortgage in the UAE
RAKBANK home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
RAKBANK (National Bank of Ras Al Khaimah) offers home loans for UAE residents and is well known for considering self-employed and small-business borrowers that some banks find harder to place. It has fixed and variable options — whether RAKBANK is your best fit depends on your profile, so we compare it against relevant routes within our 14-bank coverage.
Indicative rate — we confirm RAKBANK's current indicative rate for your profile, free.
Why get your RAKBANK mortgage through Mortgease?
- We compare RAKBANK 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.
RAKBANK mortgage policy updates
What actually changed at RAKBANK, 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.
- RAKBANK launches 3-year fixed pricing from 3.89% — buyout at 3.89% with AED 3,000 valuation fee refunded
16 July 2026 — RAKBANK has issued pricing and promotion changes effective Thursday 16 July 2026. The headline: a new 3-year fixed product from 3.89%, a 3.89% 3-year buyout rate open to all customers with… - RAKBANK refreshes mortgage pricing — 3.99% buyout, Elite STL fixed for 2 years; new rates effective 29 April
29 April 2026 — RAKBANK has published refreshed mortgage rates effective 29 April 2026 to 31 July 2026, including a 3.99% buyout promotion across all segments and updated 2-year fixed pricing for Salaried… - RAKBANK cuts mortgage rates to 3.99% — zero processing fees for salaried buyers
6 April 2026 — RAKBANK has joined the sub-4% club. Effective 8 April 2026, salaried buyers can access fixed rates from 3.99% with zero processing fees — one of the cleanest cost structures available right…
All UAE mortgage policy updates →
RAKBANK mortgage FAQs
What are RAKBANK's mortgage rates?
Is RAKBANK good for self-employed borrowers?
Can expats get a RAKBANK mortgage?
How do I apply for a RAKBANK mortgage?
RAKBANK 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.