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Sharjah Islamic Bank Mortgage in the UAE

Sharjah Islamic Bank home loan rates, eligibility & calculator — compared against all the banks, commission-free.

Sharjah Islamic Bank currently advertises the lowest fixed rate in the UAE market — a 1-year fixed from 3.75% — with 3 and 4-year fixed options behind it. As an Islamic bank, its home finance is Sharia-compliant (Ijara/Murabaha structures). The short fixed period cuts both ways, so we model the full-term cost against all the other banks before you commit.

Sharjah Islamic Bank rates · indicative · July 2026
from ~3.75% p.a.
Your exact rate depends on your profile and the property. We'll confirm Sharjah Islamic Bank's current best rate for you — free.

Indicative rate — we confirm Sharjah Islamic Bank's current best rate for your profile, free.

Estimated monthly payment
AED 9,490/mo
Loan AED 1,600,000

Why get your Sharjah Islamic Bank mortgage through Mortgease?

  • We compare Sharjah Islamic Bank against all the other UAE banks — so you only take it if it's genuinely your best deal.
  • Commission-free to you — the bank pays us on completion, never you.
  • One senior advisor handles your file end to end, with a pre-approval often within 24 hours.

Sharjah Islamic Bank mortgage FAQs

What are Sharjah Islamic Bank's mortgage rates?
Sharjah Islamic Bank rates are indicatively from around 3.75% p.a. in 2026, varying by product and profile. We confirm Sharjah Islamic Bank's current best rate for you, free.
Is Sharjah Islamic Bank good for self-employed borrowers?
Sharjah Islamic Bank is often more flexible with self-employed and SME applicants than some larger banks. We position your file with the lenders most likely to approve it.
Can expats get a Sharjah Islamic Bank mortgage?
Yes — Sharjah Islamic Bank lends to UAE residents and expats. We'll confirm the right product for your residency and income.
How do I apply for a Sharjah Islamic Bank mortgage?
Through Mortgease — we prepare your file, compare Sharjah Islamic Bank against all the other banks, and handle it to completion, free.

Full mortgage calculator →  ·  Check your eligibility →  ·  All banks →

Compare with other UAE banks

Standard Chartered mortgage → RAKBANK mortgage → ADCB mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 15 bank guides →

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 compare all of them for you, free.