Standard Chartered's cheapest conventional rate, 4.29%, is preloaded below, so you can see the payment before you compare it with anything else. Move the sliders to your property value, deposit and term.
Indicative figures. Confirm the live rate on our current UAE mortgage rates page before you apply.
Standard Chartered has operated in the UAE since 1958. Its cheapest published conventional rate is 4.29% on the standard home loan, quoted for a 1-year fix and reverting to 3-month EIBOR plus 1.10%, which is 5.01% today. MortgageOne, the version carrying the offset facility, is 4.39%, and the Islamic Saadiq One is 4.44%. All three carry a 0.26% arrangement fee. Those sit above the cheapest conventional rate in the market, 3.89% at Emirates NBD, so the reason to pick this bank is rarely the headline. Three features set it apart. No salary transfer is required, unlike HSBC, ADCB and Emirates NBD. MortgageOne carries an offset facility, so savings parked against the loan reduce the interest charged, which is what the 0.10 point premium over the standard loan buys. And the bank has a track record with non-standard income profiles and non-resident buyers. Banks set their own minimum salary and do not publish it consistently, so ask for the current threshold in writing. CBUAE rules apply as everywhere: 50% debt burden ratio, 80% loan to value on an expat first home under AED 5 million. The calculator preloads the 4.29% standard rate; move the slider to 4.39% for MortgageOne or 4.44% for Saadiq One. The full product breakdown, including the reversion maths, is in the Standard Chartered mortgage guide, and you can see how it compares with other lenders on the live rates page.
Compare Standard Chartered against products from major UAE lenders on reversion margin, fees and eligibility, not just the headline.