Why is my mortgage rate higher than the advertised rate?
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 rates are the bank's best case — usually salary-transfer clients at moderate LTV on selected products. Non-salary-transfer, higher LTV, self-employed income or a weaker credit file each add increments to your personal price.
Two banks can quote the same person 0.5% apart on the same day — which is the entire case for comparing. We shop your actual profile, not the poster rate, across 15+ banks.
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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