UAE Mortgage Rate Index
The monthly benchmark of advertised UAE mortgage rates — compiled from the bank pricing file received 21 September 2026. September 2026 edition.
September 2026 index constituents
| Bank | Best advertised fixed (STL) | Verified | Source |
|---|---|---|---|
| Sharjah Islamic Bank | 3.75% (1-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Arab Bank | 3.78% (2-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Emirates NBD | 3.89% (2-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| United Arab Bank | 3.89% (1-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Dubai Islamic Bank | 3.95% (3-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| ADIB | 3.99% (2-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Ajman Bank | 3.99% (2-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Commercial Bank of Dubai | 3.99% (3-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Emirates Islamic | 3.99% (3-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| First Abu Dhabi Bank | 3.99% (1-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| Mashreq | 3.99% (2-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| RAKBANK | 3.99% (3-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
| HSBC | 4.05% (1-yr salary transfer) | 21 Sep 2026 | Bank pricing file |
Excluded this month: Standard Chartered, which is on our panel but was not in the 21 September 2026 pricing file. Full change log: Bank Updates →
What moved
- Emirates Islamic cut its reversion margin to 3M EIBOR + 1.79% (from +1.99%) and published fixed rates from 3.99%, valid to 31 August — margin competition is extending beyond headline rates into the post-fixed period.
- CBD withdrew its April LTV restrictions — expat first homes under AED 5M return to 80% financing, a clear loosening signal.
- June saw 7 tracked moves, including UAB's new 3.89% short-term fixed and HSBC waiving processing fees with up to AED 16,000 cashback for Premier Elite clients.
“The story this month isn’t the headline rates — it’s the margins. When banks start competing on the reversion rate and loosening LTVs in the same month, they’re competing for borrowers across the whole life of the loan. For buyers, that’s the strongest negotiating position we’ve seen this year.”
Anil · Managing Director, Mortgease
21+ years in UAE banking · available for media comment
Methodology & citation
Methodology: Mortgease receives bank pricing from its lending partners as an active brokerage. Each month, every bank priced in the bank pricing file we receive from our lending partners contributes its lowest advertised salary-transfer fixed rate; the index is the simple average. Internal funding ladders, expired campaigns and unverified rates are excluded. The index reflects advertised pricing — individual rates depend on profile, LTV and salary transfer.
Citation: the index is free to use with attribution to the “Mortgease UAE Mortgage Rate Index” and a link to this page. Media enquiries and interview requests: enquiries@mortgease.ae · +971 50 112 8755.
Full bank-by-bank rate tracker → · EIBOR today → · Every tracked circular →