Rates compared from UAE's leading banks
Compare home loan products from major UAE banks. Islamic and conventional, from real lender pricing, not estimates.
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In the UAE, mortgages and home loans are the same product. Banks use the terms interchangeably. Whether you are searching for a home loan in Dubai, a mortgage in Abu Dhabi, or Shariah-compliant home finance anywhere in the Emirates, you are in the right place. Compare every rate from every CBUAE-regulated lender, side by side.
Published reducing rates from UAE banks. Sorted by cost, updated when lender pricing changes.
Best Conventional
Best Islamic
The lowest home loan rate is not always the cheapest. Compare fixed rate, reversion rate, fees, and minimum salary before you decide.
As of June 2026, the lowest conventional mortgage rate is 3.78% reducing from Standard Chartered. The lowest Islamic home finance rate is 3.90% from Dubai Islamic Bank. Both revert to EIBOR + margin after the fixed period. On a AED 1.5M loan over 25 years, the difference between a 3.78% and a 4.50% rate is approximately AED 600 per month. Source: CBUAE, published bank rate cards, June 2026.
| # | Bank | Type | Best fixed rate | Fixed period | Reversion (after fixed) | Min salary | Down payment |
|---|---|---|---|---|---|---|---|
| 1 | Standard Chartered MortgageOne Loan |
Conventional | 3.78% | 1-3 yrs | EIBOR + 1.25% | AED 15,000 | 20% |
| 2 | ADCB Home Loan |
Conventional | 3.85%* | 1-3 yrs | EIBOR + 1.50% | AED 15,000 | 20% |
| 3 | Dubai Islamic Bank Al Islami Home Finance |
Islamic | 3.90% | 1-3 yrs | EIBOR + 1.25% | AED 15,000 | 20% |
| 4 | Dubai Islamic Bank Al Islami Home Finance (Nationals) |
Islamic | 3.90% | 1-3 yrs | EIBOR + 1.50% | AED 7,000 | 15% |
| 5 | Emirates NBD Home Loan |
Conventional | 3.95%* | 1-3 yrs | EIBOR + 1.50% | AED 15,000 | 20% |
| 6 | First Abu Dhabi Bank Home Loan |
Conventional | 3.99%* | 1-3 yrs | EIBOR + 1.75% | AED 15,000 | 20% |
| 7 | Standard Chartered Saadiq Home Suite |
Islamic | 3.99%* | 1-2 yrs | EIBOR + 1.25% | AED 15,000 | 20% |
| 8 | Mashreq Home Loan |
Conventional | 4.10%* | 1-2 yrs | EIBOR + 1.75% | AED 15,000 | 20% |
| 9 | HSBC New Home Loan |
Conventional | 4.15% | 2 yrs | EIBOR + 1.25% | AED 15,000 | 25% |
| 10 | ADIB Home Finance for Expats |
Islamic | 4.20%* | 1-3 yrs | EIBOR + 1.99% | AED 15,000 | 25% |
Rates last verified 30 June 2026. Rates are indicative published rates for salaried borrowers, first property under AED 5M, 80% LTV. Actual rates depend on your profile. 3M EIBOR: 3.85% (CBUAE, Jun 2026). Always confirm directly with the bank. Compiled and fact-checked by our research team against our data methodology. View full comparison →
Shariah-compliant products from major UAE banks. Ijara, Murabaha, and Diminishing Musharaka. All regulated by CBUAE and certified by Shariah boards.
View Islamic Rates →CBUAE rules determine your maximum. Our calculator applies the same debt burden ratio, loan-to-value, and income multiple tests that banks use. 90 seconds.
Real rates from real banks. No middlemen, no hidden fees.
Home loan products from major UAE banks. Islamic and conventional. Sorted by cost, not commission.
CBUAE affordability rules built in. See your maximum borrowing power in 90 seconds.
Ijara, Murabaha, Diminishing Musharaka. Shariah-certified profit rates clearly labelled.
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Start with the UAE mortgage rates comparison page to see every current product, or use the mortgage calculator to model your monthly payment at different property prices and rates.
Market updates, rate changes, and regulatory news that affects your mortgage.
The Central Bank of the UAE maintained its base rate, tracking the US Federal Reserve. Mortgage rates remain stable for now.
Read update →
Dubai Land Department reports increased transaction volumes as mortgage rates stabilise and buyer confidence improves.
Read update →
With conventional mortgage rates now from 3.78% p.a., borrowers who locked in at 2022-2023 peak rates are switching and saving. The break-even on refinancing costs is typically under 18 months.
Read update →Practical guides written for UAE buyers. No jargon, no sales pitch. Just the information you need before signing anything.
EIBOR sits at 3.85%. Your variable rate is EIBOR plus a bank margin. Here's how the maths works and what moves it.
Read the guide →
Which UAE bank is offering the lowest rate today? We compare published rates across major UAE banks. Updated when rates change.
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Pre-approval to keys in hand. A plain-English walkthrough of the exact process, documents needed, and timelines.
Read the guide →
The real difference between profit rates and interest rates. Side-by-side cost comparison with actual numbers from UAE banks.
See the comparison →Islamic home finance costs the same each month as a conventional mortgage, but the bank earns a profit rate, not interest. The two common structures are Ijara (a lease-to-own arrangement) and Murabaha (cost plus an agreed profit). The lowest Islamic home finance rate right now is 3.90% reducing from Dubai Islamic Bank, just above the cheapest conventional deal at 3.78%. Shariah-compliant finance is open to Muslims and non-Muslims alike, and the CBUAE rules are identical to conventional lending: a 20% deposit for expats on a first home under AED 5 million and a 50% debt burden cap. Compare every Islamic and conventional product side by side on our UAE mortgage rates page, or read how the two stack up in our Islamic vs conventional mortgage guide.
The Emirates Interbank Offered Rate directly affects your variable mortgage rate. When EIBOR moves, your monthly payment moves with it. Track changes here.
Full EIBOR Tracker →Usually replies within minutes