MortgageOne's 3.78% is the lowest published conventional rate in the UAE right now, and it is preloaded below. Move the sliders to your property value, deposit and term.
Indicative figures, June 2026. Confirm the live rate on our current UAE mortgage rates page before you apply.
Standard Chartered has operated in the UAE since 1958 and currently holds the lowest published conventional mortgage rate in the market: MortgageOne from 3.78%, a 3-year fixed that reverts to 3-month EIBOR plus 1.49%. Its Islamic product, Saadiq Home Suite, starts from 3.90%. Three features set the bank 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. And the bank has a track record with non-standard income profiles and non-resident buyers. Minimum salary is AED 15,000 a month, and 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 3.78% rate. The full product breakdown, including the reversion maths, is in the Standard Chartered mortgage guide, and you can see how the market floor compares with every other lender on the live rates page.
Compare Standard Chartered against 2000+ products on reversion margin, fees and eligibility, not just the headline.