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 28 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 3.99% two-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.

Tracked from official bank circulars — every rate dated and sourced. 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 period1.75–2.5% + 3M EIBOR

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

Latest verified bank moves

Bank	Latest verified move	As of	Source
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	Expat Home Finance FTV revised — airlines reinstated, retail capped at 70%	3 Jun 2026	Brief →
Mashreq	Off-plan mortgage launched — 50% LTV on under-construction Dubai property	2 Jun 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 →
RAKBANK	3.99% 2-yr fixed (Elite salary transfer) + 3.99% buyout for all segments	29 Apr 2026	Brief →
ADIB	3.99% fixed buyout campaign (Q2 2026; campaign ended 30 Jun — successor pricing being confirmed)	8 Apr 2026	Brief →

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

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. 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 28 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 28 banks — including unadvertised pricing — free, in 24 hours.

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