What happens after the fixed period ends?

The loan reverts to a variable rate, a margin over EIBOR. In the 21 September 2026 pricing file those margins run from 1.00% to 2.50%, over a 1, 3 or 6 month EIBOR depending on the bank, often with a floor. The reversion margin matters as much as the headline fixed rate over the life of the loan.

Why do UAE banks quote different rates for the same buyer?

Pricing varies by salary transfer (STL vs NSTL), loan-to-value band, employer category, income level and property type. The best bank for one profile is often not the best for another - which is why comparing across banks matters.

Are these the rates I will actually get?

They are the advertised rates in the bank pricing file received 21 September 2026, shown with their dates. Your personal rate depends on your profile; banks also run unadvertised deals. Mortgease confirms your exact rate across our panel free of charge.

UAE Mortgage Rates

Q: What are current mortgage rates in the UAE?

From the latest bank pricing we hold, advertised salary-transfer mortgage rates start from 3.75% at Sharjah Islamic Bank, followed by 3.89% at United Arab Bank and 3.95% at Dubai Islamic Bank. Actual pricing depends on salary transfer, income, employer, loan-to-value and property.

Q: How often is this page updated?

Mortgease compiles the index from the bank pricing file we receive from our lending partners and refreshes this page monthly, with each entry dated. The full change log is published in our Bank Updates section.

Mortgage and home loan rates across the UAE — tracked from bank circulars, every rate dated and sourced. Buying in Dubai? See the home loan rates in Dubai page. Rates verified 21 September 2026.

Mortg Ease places cases with a panel of 18+ UAE banks. We publish a full guide for 14 of them and a rate card for the 13 priced in our 21 September 2026 pricing file. The rest of the panel is compared for you on a live case.

October 2026: the latest bank pricing we hold (received 21 September 2026; Emirates NBD and Mashreq updated 3 October 2026, Arab Bank 5 October 2026)

Best advertised fixed rates salary-transfer, selected productsfrom 3.75%

Lowest advertised purchase rate at each bank resident, salary transfer3.75% to 4.49%

Range across the pricing file all resident segments, purchase and buyout3.75% to 5.99%

Buyout (switch-bank) offers recent campaignsfrom 3.75%

Typical reversion after fixed period1.00% to 2.50% over 1, 3 or 6 month EIBOR

Compiled from the bank pricing file Mortgease received on 21 September 2026, with Emirates NBD and Mashreq updated from their October 2026 pricing received 3 October 2026 and Arab Bank from its October 2026 pricing received 5 October 2026. Emirates NBD's October pricing applies to applications from 7 October 2026; Mashreq's runs from 1 October to 31 December 2026; Arab Bank's applies to cases submitted from 4 October 2026. Advertised rates; your personal rate depends on profile, salary transfer and LTV. Some other campaigns in the 21 September file were dated to end on 30 September (see Latest verified bank moves below). Your rate is confirmed only in the lender's written offer.

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One number instead? See the UAE Mortgage Rate Index, September 2026 edition: 3.94%.

Latest verified bank moves

Bank	Latest verified move	As of	Source
Arab Bank	October pricing from 4 October: salary transfer from 3.99% (2-yr fixed), no salary transfer from 4.15%, self-employed from 4.89%; reversion 6M EIBOR + 1.89% (salary transfer) to + 3.25% (non-resident), each with a floor; credit card required on salary-transfer, non-salary-transfer and self-employed loans	5 Oct 2026	Brief →
Emirates NBD	New pricing from 7 October: standard rows salary transfer 4.19% (2-yr fixed), no salary transfer 4.59%, self-employed 4.99% (3-yr, Priority Banking), 5.19% otherwise, 10-year-term pricing from 4.69% (reverts 1M EIBOR + 1.69%); standard reversion 1M EIBOR + 1.99%; separate Abu Dhabi rows from 3.99%; nil processing fee on pure buyouts	3 Oct 2026	Brief →
Mashreq	Premium pricing withdrawn: one standard grid to 31 December, salaried from 4.49%, self-employed from 5.49%, non-resident from 5.99% (2-yr fixed); AED 1,050 pre-approval fee back for self-employed and non-resident buyers of ready property	3 Oct 2026	Brief →
ADIB	Buyout campaign extended to 31 December — NSTL pricing is 4.09% fixed for two years; reversion terms unchanged	1 Sep 2026	Brief →
Mashreq	Pricing promotion extended to 30 September — premium and standard rate bands remain unchanged	1 Sep 2026	Brief →
Mashreq	Non-resident eligibility update — broker criteria indicate AED 40K salary, max 60% LTV up to AED 5M finance and 50% above; six months’ statements required (rates unchanged)	27 Aug 2026	Brief →
FAB	Temporary LTV restrictions withdrawn — standard policy applies, no restricted segments; Northern Emirates properties back to standard eligibility	21 Jul 2026	Brief →
RAKBANK	3.89% new 3-yr fixed (Elite salary transfer) + 3.89% 3-yr buyout for all customers with AED 3,000 valuation fee refunded; LTV back to 80%/85%, non-resident 60% (Golden Visa 75%)	16 Jul 2026	Brief →
Mashreq	High-risk-segment LTV eased — 70% reinstated for aviation, F&B, logistics, oil & gas, trading; 60% for jewelry, real estate, construction, hospitality (rates unchanged)	16 Jul 2026	Brief →
Mashreq	Policy revision — min income reinstated (salaried AED 15K / self-emp AED 40K), max 4 properties, non-resident buyout to 50% LTV (rates unchanged)	14 Jul 2026	Brief →
FAB	Buyout: valuation + early-settlement fees refunded after disbursement	2 Jul 2026	Brief →
Dubai Islamic Bank	3.95% 3-yr fixed (STL/Nest/buyout) extended for Q3; NSTL/SE 4.10%; Q3 EIBOR ref 3.63%	6 Jul 2026	Brief →
United Arab Bank	New fixed pricing from 3.89% for 1 & 2-year terms	24 Jun 2026	Brief →
HSBC	Premier Elite: zero processing fees + up to AED 16,000 cashback	23 Jun 2026	Brief →
Standard Chartered	Rate ladder tightened — short tenors up 4 bps, mid/long up 2–6 bps	12 Jun 2026	Brief →
Emirates Islamic	Home Finance fixed from 3.99%; reversion cut to 3M EIBOR + 1.79% (valid to 31 Aug)	2 Jul 2026	Brief →
Mashreq	Standard 2-yr fixed up 0.24% — salaried 4.49%, self-employed 5.49%; premium tier now needs AED 50K salary + AED 3.5M loan; AED 1,050 pre-approval fee waiver to 30 Jul	10 Jul 2026	Brief →
Ajman Bank	2-year fixed by LTV band: 4.09% – 4.70% (salary transfer)	15 May 2026	Brief →
Arab Bank	Handover financing: 2-yr fixed from 3.78% (STL) / 3.95% (NSTL), zero processing fees	11 May 2026	Brief →
Emirates NBD	May pricing extended; early-settlement fee on top-ups cut to 0.50% (max AED 5,000)	14 May 2026	Brief →
Commercial Bank of Dubai	LTV restrictions withdrawn — expat first home ≤ AED 5M back to 80%	1 Jul 2026	Brief →
ADIB	Buyout: valuation + early-settlement fees refunded after disbursement	2 Jul 2026	Brief →

Full change history (30+ dated updates): Bank Updates →

Wondering which is the best bank for mortgage in your case? Compare the best mortgage rates in the UAE bank by bank — or let us run the mortgage comparison for you, free.

How UAE mortgage rates actually work

Most UAE mortgages start with a fixed rate for 1–5 years, then revert to a variable rate — typically a margin of 1.75–2.5% over 3-month EIBOR, often with a floor. Two borrowers rarely pay the same rate: banks price by salary transfer (STL vs NSTL), loan-to-value band, employer category and income. That's why the "best rate" advertised is not always the best rate for you — and why the reversion margin deserves as much attention as the headline number.

What is EIBOR?

EIBOR (Emirates Interbank Offered Rate) is the benchmark UAE banks use to price variable mortgage rates, published daily by the UAE Central Bank — see current EIBOR rates →. When your fixed period ends, your rate becomes margin + EIBOR — so a falling EIBOR cuts your payment, and a rising one increases it. We track EIBOR alongside every bank circular; if you're on a variable rate today, a buyout to a new fixed rate can often lock in savings.

See what these rates mean per month → · Check your DBR → · Bank-by-bank guides →

Rate FAQs

What are current mortgage rates in the UAE?

From the bank pricing file received 21 September 2026, selected advertised salary-transfer rates start from 3.75%, with the bank tracker above showing current starting points for each lender. Your offered rate depends on income, employer, salary transfer, LTV and property.

Fixed or variable — which should I take?

Most buyers fix for 1–3 years for certainty, then review before reversion. The right answer depends on where EIBOR is heading and your plans — we model both paths for you, free.

What happens when my fixed period ends?

Your rate reverts to a margin over EIBOR (often with a floor). This is the moment to compare a buyout — the buyout pricing in our 21 September 2026 file starts at 3.75%, and campaigns sometimes add fee waivers.

Are these the rates I'll actually get?

These are the advertised rates in the bank pricing file received 21 September 2026, with dates. Your personal rate depends on your profile — and banks run unadvertised deals. We confirm your exact rate across our panel, free.

How often is this page updated?

We track bank circulars continuously and refresh this page monthly — every entry keeps its as-of date, and the full change log lives in Bank Updates.

Want today's best rate for YOUR profile? Advertised rates are the starting point. We compare your exact case across our panel — including unadvertised pricing — free, in 24 hours.

Get my best rate

Work out the numbers at a specific bank

Each calculator opens on that bank’s own lowest advertised fixed rate from our bank pricing file received 21 September 2026 (Arab Bank: its October 2026 pricing, received 5 October 2026; Emirates NBD and Mashreq: their October 2026 pricing, received 3 October 2026; Emirates NBD: standard rows, for applications from 7 October 2026, separate Abu Dhabi rows start from 3.99%; Arab Bank: credit card required with salary-transfer, non-salary-transfer and self-employed loans), so the monthly figure starts from a real published number. Lowest first.

Standard Chartered is on our panel but was not in the bank pricing file we received on 21 September 2026. The only figure we hold for it is 4.29% from the 19 August 2026 set, which we have not reconfirmed, so it is left out of the rate comparisons on this site until the bank confirms its current pricing.