Live Market Data — Feb 2026
UAE Mortgage Comparison
Engine
Compare live mortgage rates from 9 UAE banks. Get pre-approval eligibility, fee breakdowns, and personalised monthly payment estimates instantly.
EIBOR 1M 3.540%
EIBOR 3M 3.554%
EIBOR 6M 3.523%
EIBOR 1Y 3.691%
Updated 16 Feb 2026
✦ Pre-Approval Eligibility Checker
Enter your profile to check eligibility across all 9 UAE banks and calculate your maximum borrowing power based on CBUAE guidelines.
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5 yrs25 yrs
✅
Eligible
Max Loan Amount
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Debt Burden Ratio ?CBUAE mandates max 50% DBR. Below 35% gets best rates.
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Max 50% (CBUAE)
Est. Monthly Payment
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At lowest available rate
Bank-by-Bank Verdict — All 9 Banks
| Bank | Min Salary | LTV Limit | Max Tenure | Your DBR | Verdict |
|---|
💡 Pro Tips
• DBR below 35% = best rates & faster approvals across all banks
• Salary transfer to lender bank = 0.25–0.5% rate reduction at most banks
• ADIB offers no early settlement fee if selling the property
• FAB waives processing fee for first-time buyers (salary transfer required) until March 2026
• Non-residents: DIB offers best LTV at 65% vs standard 50%
• Salary transfer to lender bank = 0.25–0.5% rate reduction at most banks
• ADIB offers no early settlement fee if selling the property
• FAB waives processing fee for first-time buyers (salary transfer required) until March 2026
• Non-residents: DIB offers best LTV at 65% vs standard 50%
Live Rate Comparison
Conventional mortgage rates — 9 UAE Banks, Feb 2026
📊 Full Side-by-Side Comparison — All 9 Banks
Every rate, fee, and feature compared. ★ marks the best value in each row.
| Feature | ENBD | FAB | ADCB | DIB | ADIB | Mashreq | HSBC | RAKBANK | Std Chart. |
|---|
Processing Fee Calculator
All bank and government costs broken down for your property value.
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🏛️ Fixed Government Fees (All Banks)
Dubai Land Department (DLD) Transfer: 4% of property value + AED 580 | Mortgage Registration: 0.25% of loan + AED 290 | Property Valuation: Varies by bank (see above) | Title Deed: AED 250 | Trustee Office Fee: AED 4,000 (ready) / AED 5,000 (off-plan) | Note: 5% VAT applies on all bank service fees.
Early Settlement Fee Breakdown
Know exactly what you'll pay to exit your mortgage early — critical for investors and property flippers.
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⚖️ CBUAE Early Settlement Cap
Maximum 3% of outstanding balance or AED 10,000 (whichever is lower) within the first year. After 1 year, caps reduce further. ADIB uniquely offers zero early settlement fees when selling the property. Always check your individual loan contract for bank-specific terms. Islamic finance structures (Ijarah/Murabaha) may differ.
Amortization Schedule
Year-by-year principal vs interest breakdown. See exactly how your balance reduces over time.
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| Year | Monthly EMI | Principal Paid | Interest Paid | Total Paid | Balance |
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📖 UAE Mortgage Buyer's Guide 2026
Everything you need to know before applying for a mortgage in the UAE.
1. LTV Limits (CBUAE Regulation)
| Applicant Type | 1st Property ≤ AED 5M | 1st Property > AED 5M | 2nd Property+ | Non-Resident |
|---|---|---|---|---|
| UAE National | 85% | 75% | 65% | N/A |
| Expat Resident | 80% | 65% | 60% | N/A |
| Non-Resident | 50% | 50% | 50% | 50% |
2. Documents Required
Salaried
✓ Passport + Visa + Emirates ID✓ Salary certificate (original)
✓ 3–6 months bank statements✓ 3 months pay slips
✓ Title deed / SPA / MOU✓ Property valuation report
Self-Employed / Business
✓ Passport + Visa + Emirates ID✓ Trade licence (valid)
✓ 6–12 months bank statements✓ 2 years audited accounts
✓ MOA / Partnership documents✓ Property valuation report
3. Bank Comparison Quick Reference — Feb 2026
| Bank | Best For | Starting Rate | Min Salary (Expat) | Unique Advantage |
|---|---|---|---|---|
| Emirates NBD | All-rounders, Non-residents | 3.99% | AED 15,000 | Digital pre-approval, wide branch network |
| FAB | First-time buyers, Salary earners | 3.99% | AED 15,000 | Zero processing fee (FTHB + salary transfer) |
| ADCB | Off-plan buyers, Refinancing | 4.15% | AED 12,000 | Lower min salary, balance transfer program |
| Dubai Islamic Bank | Islamic finance, Non-residents | 3.99% | AED 12,000 | 65% LTV for non-residents, best Islamic rates |
| ADIB | Islamic, no early settlement | 3.99% | AED 15,000 | Zero settlement fee when selling property |
| Mashreq | First-time buyers, Tech-savvy | 3.99% | AED 15,000 | 2yr special rate, 100% digital onboarding |
| HSBC | High-income, International buyers | 4.19% | AED 20,000 | Up to AED 15M loans, Premier benefits |
| RAKBANK | Simpler profiles, quick approval | 4.10% | AED 12,000 | Fast processing, self-employed friendly |
| Standard Chartered | Long-term residents, expats | 4.29% | AED 20,000 | Global banking, refinancing specialist |
4. Conventional vs Islamic Finance
🏦 Conventional Mortgage
• Interest-based lending (Riba)• Fixed or EIBOR-linked variable rate
• Widely available at all banks• Slightly lower rates in some cases
• Standard penalty structure
☪️ Islamic Finance (Ijarah / Murabaha)
• Profit-rate based (Shariah compliant)• Bank buys property, you pay back
• Diminishing Musharaka structure• ADIB: no settlement fee on property sale
• Increasingly competitive with conventional
Important Disclaimer
All rates, fees, and data are indicative based on publicly available bank information as of February 2026. EIBOR sourced from Central Bank UAE (16 Feb 2026). Actual rates, approvals, and fees are subject to individual bank assessment, credit profile, and property evaluation. This tool is for informational and comparison purposes only and does not constitute financial advice or a binding offer. Always verify directly with the bank before making financial commitments. All figures in AED unless stated. 5% VAT applies on bank service fees. Loan eligibility subject to CBUAE regulations and individual bank credit policies.