The UAE's independent mortgage comparison platform — built by a team with deep roots in UAE banking, dedicated to giving every buyer transparent, verified rate data.
MortgageCompare.ae was built on a simple principle: UAE mortgage buyers deserve the same quality of information that institutional investors have always had. Real rates, real terms, clearly explained.
The UAE mortgage market is sophisticated — 20+ active lenders, 2000+ live products, Islamic and conventional options, CBUAE regulatory caps, and an EIBOR benchmark that moves with global rates. Most buyers navigate this complexity with nothing more than a single bank quote. We built this platform to fix that.
We are not affiliated with any UAE lender. No bank pays us to appear first in our comparison tables. Rates are sorted by cost — full stop. Our team monitors pricing portals across all 20+ lenders and updates the database whenever a bank adjusts its rates, which can happen multiple times per month.
Why independent matters
Most UAE mortgage websites are lead-generation portals for brokers. Products are ranked by the commission paid, not the rate offered. We operate differently: our income comes from transparent advisory referrals clearly disclosed on the site, never from boosting a lender's position in our comparison table.
Our research team maintains ongoing data relationships with mortgage departments at each of the following UAE lenders. When a bank adjusts its rate — whether in response to EIBOR movements, a Fed decision, or internal pricing strategy — we update our comparison tables within 24 hours of confirmation.
Every rate on this site follows a four-step verification process before it appears in the comparison table.
We monitor official bank pricing portals, published rate sheets, and CBUAE regulatory disclosures directly. No third-party aggregators. Data goes from the bank to our database.
All rates are converted to a reducing (declining) balance equivalent. Islamic profit rates and conventional interest rates are expressed on an identical basis, so you compare like-for-like across all 2000+ products.
Rates are cross-referenced with CBUAE publications and confirmed with lender contacts before publication. Discrepancies are flagged internally and held until resolved.
Rate tables are updated within 24 hours of confirmed bank pricing changes. The last-updated date is displayed on the rates page. We never show stale data without a visible timestamp.
Questions about a specific rate or product? Contact the research team →
The people behind the data — UAE-based researchers with direct experience in the market they cover.
Fatima Al Rashid
Head of Mortgage Research
Fatima has 11 years of experience in UAE banking and financial services. She began her career in mortgage advisory at a major UAE retail bank before moving into independent mortgage research. She oversees all bank data relationships at MortgageCompare.ae, manages the editorial direction of the knowledge hub, and leads rate verification.
Her expertise centres on CBUAE mortgage regulations, Islamic finance structures — including Ijara, Murabaha, and Diminishing Musharaka — and the practical eligibility rules that determine what expats and UAE nationals can borrow. She is fluent in Arabic and English and has advised buyers across Dubai, Abu Dhabi, and Sharjah.
David Chen
Market Research Analyst
David has 6 years of experience in UAE financial data analysis. Before joining MortgageCompare.ae, he worked in a banking analytics role at a major UAE lender, building the internal models used to price retail mortgage products. He brings that institutional perspective to the platform's rate database and market commentary.
David owns the daily rate monitoring process: tracking EIBOR movements, Fed rate decisions and their CBUAE lag, and individual bank pricing changes across all 20+ lenders. He also produces the EIBOR outlook analysis and rate forecast commentary that underpins many of the knowledge hub articles.
James Thornton
Senior Mortgage Analyst
James has 9 years of experience in UAE and UK mortgage markets, spanning broking, underwriting support and product analysis. He focuses on refinancing and buyout, fixed versus variable strategy, and the legal mechanics of UAE property purchase, from security cheques to the trustee transfer.
He writes the platform's deeper process and regulation guides, translating CBUAE rules and bank policy into plain steps buyers can act on.
Priya Menon
Financial Content Specialist
Priya has 7 years of experience making financial products understandable for first-time buyers, with a focus on the South Asian expat community in the UAE. She specialises in affordability, calculators and the EMI framing many buyers search for.
She owns the platform's calculator explainers and first-time-buyer guides, and works to keep every worked example accurate and easy to follow.
Sarah Mitchell
Mortgage Research Editor
Sarah has 10 years of experience in financial publishing and editorial quality control. She sets the editorial standards for the knowledge hub, fact-checks every rate figure against the live tracker, and ensures each article meets the platform's accuracy and disclosure rules.
She edits the buying-process and bank guides, and runs the monthly review that keeps published figures current.
Three principles that guide everything we publish.
Our comparison tables rank products by their actual reducing rate — lowest cost first. No UAE bank has paid to appear at the top of our results. Where we earn advisory referral income, this is disclosed clearly on the relevant pages. Your interests and ours are aligned.
Every eligibility calculation, every LTV calculation, every DBR check on this site uses the Central Bank of the UAE's published regulations as its foundation. We update our tools whenever the CBUAE revises its guidance — not months later, not never. Regulatory accuracy is not optional in a YMYL financial context.
Comparing rates, running eligibility checks, reading the knowledge hub — all free, no registration required. We do not sell your data to lenders. The platform exists to inform buyers, not to generate leads for banks. If you choose to speak to an advisor, that is entirely your decision.
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2000+ products from 20+ banks. Islamic and conventional. Free.