DIB Frontline Heroes home finance — nil due diligence, valuation, and early-settlement fees till 30 June 2026

Dubai Islamic Bank has launched a dedicated home finance campaign for UAE Frontline Heroes — government essential-service personnel — with three fee waivers that can save thousands of dirhams over the life of a mortgage. Offer valid till 30 June 2026.

Who qualifies

The campaign is for UAE Frontline Heroes staff — the standard UAE definition covers government essential-service personnel including police, civil defence, military, healthcare staff, and similar uniformed and emergency-services roles. Eligibility is verified by DIB at the application stage based on your employer and Emirates ID category.

What you save

• Nil Due Diligence and Documentation fees for UAE Frontline Heroes Staff.
• Nil Evaluation fee — up to AED 3,000.
• Nil Early Settlement fees.

On a typical AED 1.5 million home finance, the combined fee waivers can total AED 5,000–8,000 — a meaningful saving for the eligible borrower segment, particularly the early-settlement waiver if you may want to refinance or pay off ahead of schedule.

Conditions to qualify for the waivers

• The application must be submitted with all supporting documents within the offer period (now till 30 June 2026).
• The mortgage must be disbursed within 60 days from the end of the offer period (i.e. by end of August 2026).
• The evaluation fee is collected upfront and refunded after the case is successfully booked.

What to do next

If you fall in the Frontline Heroes category and were already considering a mortgage in 2026, this is a sharp opportunity — especially if you anticipate any early settlement (e.g. you plan to refinance later for a better rate, or expect a lump sum like end-of-service or property sale). The early-settlement waiver alone can be worth 1% of the outstanding balance.

Mortgease’s advisory team can verify your Frontline Heroes eligibility, compare DIB’s overall offer (rate, tenor, structure) against other UAE banks, and ensure your application is submitted complete — the waivers only apply if all supporting documents are in within the offer window.

See the full picture: Compare current 2-year fixed and variable rates across all 13+ UAE banks in our live mortgage rates guide.