FAB writes fixed periods of 1, 2, 3 and 5 years. The slider holds the 3.99% one-year rate. Below, what each extra year of lock has to be priced at before it pays for itself.
FAB writes four fixed periods: 1 year, 2, 3 and 5. That range is the product here, more than FAB's 3.99% is. Of the UAE lenders whose product detail this site holds, Emirates NBD writes 2 and 3 year fixes and Dubai Islamic writes 3 and 5. FAB writes all four lengths, and it charges 0% to arrange whichever one you pick.
The 3.99% in the slider above is the 1-year rate, the shortest lock on the shelf. FAB charges the same 3.99% for 2 and 3 years, and 4.19% for 5.
Here is why the length outranks the headline. Borrow AED 1,500,000 over 25 years, take the 1-year fix at 3.99%, then run on FAB's reversion of 5.82%. The fixed year costs AED 59,202 in interest. The 24 years behind it cost AED 1,256,362. So the figure everybody shops on decides under 5% of what you pay FAB, and the margin nobody reads decides the rest.
Which turns the buying question into a holding question. Sell or refinance inside 12 months and the reversion never reaches you, so the cheapest entry rate is simply the cheapest money and you can stop optimising. Still hold the place in 2036 and you bought a margin, not a headline.
The fixed period does one more thing worth knowing before you choose it. Lenders commonly drop the early settlement charge once a fixed period ends, and that is a term written into your FAB offer letter, not a rule. The CBUAE cap (1% of the outstanding balance or AED 10,000, whichever is lower) applies for the whole 25 years. So a 5-year lock is 5 years of certainty and, usually, 5 years of being tied. Read the offer for FAB's version of it.
Four of those rows decide the offer: the rate, how long it is held, the fee, and the margin waiting behind it. FAB's 1.50% margin sits between Dubai Islamic's 1.00% and Emirates NBD's 1.99%, so a FAB borrower who reverts lands in the middle of the lenders this site tracks rather than at either end of them. Salary transfer is a condition of the pricing, not a discount you can decline.
Indicative figures, September 2026. Confirm the live rate on our current UAE mortgage rates page and read the FAB mortgage guide for the rest of the product detail.
FAB prices the 1, 2 and 3-year fixes at the same 3.99%, and the 5-year at 4.19%. The arithmetic below gives the bar each longer lock has to clear, so you can test those prices, and any later quote, against it.
The test runs like this. Take the 1-year at 3.99%, then run on 5.82% for the rest of the window. Add up everything paid and everything still owed at the end of it. Any longer fix landing under that total is worth taking. Counting the outstanding balance matters, because otherwise a lower payment that clears less principal wins by paying slower.
Read it as a ceiling on what certainty is worth. A 3-year quote at 4.75% beats taking the 1-year and reverting. The same 3-year at 5.33% does not. The bar climbs with the length because a longer lock keeps more months away from the reverted rate, which is also why the 5-year tolerates the highest price.
Two assumptions hold the table up. EIBOR stays where it was on 2 November 2026, and you neither overpay nor settle early. If EIBOR falls the bars drop and the short fix looks clever. If it rises they climb and the long fix looks cheap in hindsight. Nobody gets to know that in advance, which is the whole reason a fixed period costs money.
FAB's own prices, 3.99% on the 2 and 3-year and 4.19% on the 5-year, sit well under every bar. Asking FAB to confirm all four lengths costs one email, and the bars above tell you what to do with the answers.
FAB's 3.99% is 0.20 percentage points below Emirates NBD's 4.19%. On AED 1,500,000 that gap is AED 167 a month in FAB's favour. Then three more things pull against each other.
Two more favour FAB. No arrangement fee, where Emirates NBD takes 0.26%, AED 3,900 due before the first instalment. And a cheaper reversion, 5.82% against 6.08%. One favours Emirates NBD, and it is the one this page is about: its fix runs 2 years against the 1 on FAB's 1-year, so across the first 5 years FAB spends 4 of them on the reverted rate and Emirates NBD spends 3.
FAB is in front for the first 15 months. Then the extra fixed year takes over: Emirates NBD is AED 4,070 ahead at the 5-year mark and AED 2,797 further ahead on the balance, so it wins that window on both counts despite the dearer headline. Barely. The gap is under 1% of what either borrower has paid by then, and it is the extra fixed year that produces it rather than the rate.
Then it turns over. Count everything paid plus everything still owed, month by month, and the two lines cross again in month 86. From there FAB is in front and stays there, because once both loans sit on their reverted rates the FAB payment is AED 9,447 against AED 9,627, a difference of AED 180 every month to the end of the term. Run both to month 300 and the FAB route costs AED 39,151 less.
So the choice between them is a date. Out between month 16 and month 85, Emirates NBD. Any other exit, FAB. On the 2 November 2026 EIBOR fixing, and a move in EIBOR shifts the crossing rather than removing it, since the margins are what differ.
That date belongs to FAB's 1-year. FAB charges the same 3.99% for 2 years, and on that lock the extra fixed year is FAB's as well: it stays ahead of Emirates NBD in every month, AED 16,336 less paid over the first 5 years with AED 4,901 less still owed, and AED 72,603 less across the full 25.
FAB writes conventional mortgages and Islamic home finance. The 3.99% on this page is the conventional rate, and there is no separate profit rate on file for the Islamic version, so the honest move is to ask FAB to quote both and put each into the slider above. The arithmetic does not change: Islamic finance settles on a reducing balance over a fixed term, the same formula.
The deposit is not FAB's rule. It is the CBUAE floor and it follows you to any lender in the country: on a first home under AED 5 million a resident expat funds 20% and a UAE national 15%, which is AED 300,000 and AED 225,000 on the AED 1,500,000 the calculator loads with. Above AED 5 million those become 30% and 25%. A second or investment property needs 40% from an expat and 35% from a national. Off-plan needs 50% from either.
What is FAB-specific is what the deposit does to the step at the end of the fix. FAB takes no arrangement fee, so the deposit is the only cash the lender itself asks for on day one, and every AED 100,000 you add to it takes roughly AED 102 a month off the jump when 3.99% becomes 5.82%. On the AED 1,200,000 loaded above, the payment goes from AED 6,327 to AED 7,557 in month 13, a rise of AED 1,230. Put down 30% instead of 20% and the same step is AED 1,076. A bigger deposit does not buy a better rate at FAB. It buys a smaller shock.
Affordability is read the CBUAE way here as anywhere: a 50% debt burden ratio, and an income ceiling of 7 times annual income for an expat and 8 times for a UAE national, whichever bites first. Those travel with you between lenders. The 1.50% margin does not.
Then hold each quote against the break-even bars above, and against what other UAE lenders are charging today.