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: Advertised fixed rates in verified bank circulars currently run from about 3.75% to 4.49% depending on bank, salary transfer and fixed period. The Mortgease UAE Rate Index — the average best advertised rate — stands at 3.93% (July 2026).
Live, bank-by-bank pricing with verification dates: verified UAE mortgage rates. Your personal rate depends on profile and LTV — the advertised number is the starting point, not the promise.
How Mortgease helps
- We confirm how this applies to your profile across 15+ UAE banks — free, commission-free.
- Verified pricing, not poster rates: see the live rate table and the UAE Rate Index.
- Pre-approval typically within 24 hours.
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