ADIB extends its buyout campaign to 31 December 2026 — NSTL pricing moves to 4.09% fixed for two years
ADIB has extended its mortgage buyout campaign through 31 December 2026. From 1 September 2026, the non-salary-transfer (NSTL) segment is priced at 4.09% fixed for two years, with no change to the reversion terms.
What changed on 1 September
- The buyout campaign deadline moves from 30 August to 31 December 2026.
- The NSTL campaign rate becomes 4.09% fixed for two years.
- The post-fixed reversion terms remain unchanged; the final offer letter controls the applicable EIBOR margin and floor.
What did not change
This update does not say that ADIB’s lowest salary-transfer starting rate has been replaced. Mortgease therefore continues to show 3.99% as the indicative salary-transfer starting point while showing 4.09% separately for the updated NSTL campaign route.
Who should look at this campaign?
The update is relevant if you want to transfer an existing UAE mortgage to ADIB but do not plan to move your salary. The headline rate is only one part of the decision: compare the current bank’s early-settlement charge, ADIB’s valuation and registration costs, the two-year saving, and the rate that applies after the fixed period.
Check the break-even before switching
A campaign deadline should not decide the case by itself. Use the ADIB buyout guide and the UAE mortgage buyout guide to understand the costs, then ask Mortgease to compare ADIB with the relevant alternatives in our 14-bank coverage. Final pricing, fees, eligibility and approval remain subject to ADIB’s assessment and offer letter.