EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89% EIBOR 3M 3.91% CBUAE Base 3.65% Best Islamic 3.75% Best Conventional 3.89%

Mashreq mortgage calculator

Model your monthly payment at Mashreq's indicative rate. Mashreq prices each application individually, so treat this as your pre-quote benchmark.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
3.99%
1.00%10.00%
25 years
5 years25 years
Figures are indicative. Use the eligibility checker to see what this looks like for your circumstances.

Your estimated payment

AED 6,327
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 698,225
Total repaid
AED 1,898,225
Check your eligibility →

Mashreq mortgage rates at a glance

Indicative figures. Confirm the live rate on our current UAE mortgage rates page before you apply.

Indicative fixed ratearound 3.99% reducing, Premium segment (standard 4.49% to 4.74%)
Rate typeConventional, fixed then variable
Reverts to3-month EIBOR (3.91%) + 1.75%, so 5.66% today
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About a Mashreq mortgage

Mashreq does not publish a standing rate sheet. Pricing is quoted per application, with an indicative 3-year fixed around 3.99% for the Premium segment. Standard segment pricing runs 4.49% to 4.74%. What Mashreq is known for is underwriting flexibility: commission-heavy salaries, variable bonuses and self-employed income get smaller haircuts than at the more rigid lenders, and the digital application is among the fastest in the UAE (pre-approval in 3 to 5 working days). Mashreq also accepts applications without salary transfer. CBUAE limits are the same as every bank: 50% debt burden ratio, 80% loan to value on an expat first home under AED 5 million, 7 times annual income. Run the sliders at 3.99% for a realistic pre-quote figure, then read the Mashreq mortgage guide and put the quote you receive next to every other lender on the live rates page before you sign.

Questions buyers ask about Mashreq

What is Mashreq's mortgage rate in 2026?

Mashreq does not publish a standing rate sheet; each application is priced on profile. The indicative 3-year fixed sits around 3.99% reducing, reverting to 3-month EIBOR (3.91%) plus a margin of about 1.75% after the fixed period. That 3.99% is Premium segment pricing; standard segment pricing runs 4.49% to 4.74%. Get a written quote and compare it against the published market: Emirates NBD currently leads the conventional market at 3.89%.

Is Mashreq good for self-employed mortgage applicants?

Mashreq is generally the most flexible major UAE lender on non-standard income. It accepts a wider range of business income structures and applies smaller haircuts to commissions and bonuses than HSBC or Emirates NBD. Expect to provide 2 years of audited financials, your trade licence and 12 months of company bank statements.

What monthly payment should I expect on a Mashreq home loan?

At the indicative 3.99% rate, an AED 1,200,000 loan over 25 years costs about AED 6,327 a month on a reducing balance. Your quoted rate may differ, so re-run the calculator with the figure Mashreq offers you.

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Sources