ADIB revises home finance pricing: general campaign from 4.09%, new 3.99% campaign for incomes above 30K
ADIB has revised its home finance pricing, effective 9 October 2026. From that date its general fixed campaign starts at 4.09% with salary transfer and 4.19% without, its buyout campaign is priced at 3.99% and 4.09%, and a new campaign for ADIB’s income segment above 30K is priced at 3.99% and 4.14%. All three revert to 1-month EIBOR + 1.60%, with a 3.10% minimum rate.
The three campaigns
| Campaign | Salary transfer | No salary transfer | After the fixed period |
|---|---|---|---|
| General fixed campaign | 4.09% | 4.19% | 1M EIBOR + 1.60%, minimum 3.10% |
| Buyout campaign | 3.99% | 4.09% | 1M EIBOR + 1.60%, minimum 3.10% |
| Income segment above 30K (new) | 3.99% | 4.14% | 1M EIBOR + 1.60%, minimum 3.10% |
The update does not state the fixed period. We show the general campaign against ADIB’s two- and three-year fixed terms, where its earlier campaign rates sat, and the buyout campaign against two-year terms, the period ADIB’s 1 September 2026 update gave its non-salary-transfer buyout rate, and confirm the fixed period for your case before you apply.
Pricing effective 9 October 2026. ADIB’s eligibility assessment, including the income basis for the 30K campaign, and its offer letter control.
What stays the same
- The buyout campaign’s benefits are unchanged: ADIB’s approved rack pricing applies to the campaign, and its early settlement fee benefit (for the fee charged by the bank you are leaving) and valuation fee refund remain in place. We confirm how each applies to your case before you switch.
- Cases already pre-approved, finally approved or with a valuation request raised before the change keep the earlier pricing.
ADIB says its pricing remains under review and further revisions may follow within two weeks if market conditions keep moving.
What this means if you are comparing banks
Against our September pricing, ADIB’s general salary-transfer rate moves from 3.99% to 4.09% and its non-salary-transfer rate from 4.14% to 4.19%. The new campaign for its income segment above 30K is priced at 3.99% and 4.14%, the same as the general rates in our September pricing, subject to ADIB’s eligibility assessment. Mortgease compares ADIB with the rest of our panel of 18+ UAE banks and works out the cost for your case before anything is submitted.
See the ADIB home finance guide, use the ADIB calculator, or review the latest UAE mortgage rates.