Emirates Islamic cuts reversion margin in updated Home Finance pricing (valid to 31 August 2026)

Emirates Islamic has released updated Home Finance pricing valid until 31 August 2026 — and cut the variable reversion margin, making the post-fixed rate cheaper for new customers.

What’s changed

• Reversion margin cut on the variable (post-fixed) rate — Salary Transfer now 3M EIBOR + 1.79% (previously +1.99%), and NSTL / self-employed 3M EIBOR + 1.89% (previously +1.99%).
• New fixed pricing published for terms up to 3 and 5 years.
• Pricing valid until 31 August 2026.

Fixed rates (residential, Option 1 — fixed then variable)

After the fixed period

Customers taking a fixed rate must include at least one year of variable pricing after the fixed period in the total finance tenor.

What it means for borrowers

• Lower long-term cost: a 20bps reduction in the reversion margin directly lowers what you pay once the fixed period ends — on a AED 1.5M balance that’s roughly AED 3,000 a year saved after reversion.
• Salary transfer wins again: the gap between Salary Transfer and NSTL pricing is meaningful at both the fixed and variable stage — worth weighing if you can move your salary.
• Watch the current EIBOR: reversion is EIBOR-linked, so the 3-month EIBOR (currently 3.87%) drives your real post-fixed rate. We model the full-term cost, not just the headline.

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