What are current mortgage rates in the UAE?
A straight answer from the team that tracks every UAE bank’s verified pricing — commission-free.
Short answer below, then the detail — and if you want it applied to your own numbers, the calculator and a free advisor check are right here.
Lowest advertised verified rate — we confirm your personal rate free.
Answer: In the bank pricing file we received on 21 September 2026, the lowest advertised salary-transfer fixed rate at each bank on our panel runs from 3.75% to 4.05%; across all tenors and segments the file runs to 5.99%. The Mortgease UAE Rate Index tracks the average best advertised rate and is published monthly.
For market context and rate explanations, start with the UAE mortgage rates editorial guide. For the latest bank-by-bank table and verification dates, use the interactive UAE mortgage rate comparison. Your personal rate depends on profile and LTV — the advertised number is the starting point, not the promise. You can also join the free rate alerts instead of checking manually.
How Mortgease helps
- We confirm how this applies to your profile across 18+ UAE banks — free, commission-free.
- Verified pricing, not poster rates: see the live rate table and the UAE Rate Index.
- Bank pre-approval typically takes 2–5 working days.
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