What happens after the fixed period ends?

The loan reverts to a variable rate, usually a margin over EIBOR (for example 1.75%-2.5% + 3-month EIBOR), 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 latest verified advertised rates from bank circulars, shown with their dates. Your personal rate depends on your profile; banks also run unadvertised deals. Mortgease confirms your exact rate across all the banks free of charge.

UAE Mortgage Rates

Q: What are current mortgage rates in the UAE?

As of July 2026, advertised fixed rates in bank broker circulars cluster between roughly 3.78% and 4.70% depending on bank, salary transfer, fixed period and loan-to-value. Arab Bank listed salary-transfer fixed rates from 3.78%, United Arab Bank from 3.89%, and RAKBANK a 3.89% three-year fixed for Elite salary-transfer clients.

Q: How often is this page updated?

Mortgease tracks official bank broker circulars continuously 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 official bank circulars, every rate dated and sourced. Buying in Dubai? See the home loan rates in Dubai page. Last updated 2 July 2026.

The market right now (July 2026)

Best advertised fixed rates salary-transfer, 1–3 year fixedfrom 3.78%

Typical advertised range across banks / LTV bands3.78% – 4.70%

Buyout (switch-bank) offers recent campaignsfrom 3.99%

Typical reversion after fixed period1.0–2.5% + 3M EIBOR

Compiled from bank broker circulars received and verified by Mortgease. Advertised rates — your personal rate depends on profile, salary transfer and LTV.

One number instead? See the UAE Mortgage Rate Index — this month: 3.95%.

Latest verified bank moves

Bank	Latest verified move	As of	Source
FAB	Temporary LTV restrictions withdrawn — standard policy applies, no restricted segments; Northern Emirates properties back to standard eligibility	21 Jul 2026	Brief →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?

As of July 2026, advertised fixed rates in bank circulars cluster between roughly 3.78% and 4.70% depending on bank, salary transfer, fixed period and LTV. The table above lists the latest verified move per bank, each with its date and source.

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 — recent campaigns have offered switch rates from 3.99% with fee waivers.

Are these the rates I'll actually get?

These are verified advertised rates from bank circulars, with dates. Your personal rate depends on your profile — and banks run unadvertised deals. We confirm your exact rate across all the banks, 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 all the banks — 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 verified circular set, so the monthly figure starts from a real published number. Lowest first.