EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78% EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78%
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Rates & market

Where UAE mortgage pricing actually comes from. Bank-by-bank rate comparisons, the fixed vs variable decision, and every EIBOR tenor read and explained.

32 articles in this topic

Rate comparisons

ADCB vs Emirates NBD vs HSBC Mortgage ADCB vs Emirates NBD vs HSBC mortgage compared: rates, fees, eligibility and approval speed. UAE's three biggest conventional lenders. June 2026. ADCB vs FAB Mortgage UAE 2026: Which Bank Offers the Better Deal? ADCB and FAB are two of the UAE's largest lenders. We compare their mortgage products, rates, fees, and eligibility to help you decide which bank suits your situation. ADCB vs Standard Chartered mortgage UAE 2026: which lender is right for you? Comparing ADCB and Standard Chartered home loans in UAE for 2026. Both advertise variable rates from around 3.78%. ADCB suits Abu Dhabi residents and government-sector workers; Standard Chartered suits expats with overseas income. Full comparison inside. Best bank for a home loan in the UAE: 20+ banks ranked (2026) We ranked every major UAE mortgage lender on rate, fees, service and flexibility. Who wins for expats, nationals and non-residents. Best bank for a mortgage (2026): ranked picks by category Which bank is best for a mortgage? Ranked picks by category: lowest rate, best all-rounder, best Islamic and best for non-residents, with live UAE rates. Best Fixed Rate Mortgage UAE 2026: Which Banks Offer the Lowest? Best fixed rate mortgages in UAE for 2026. Compare introductory fixed rates from Standard Chartered, HSBC, Emirates NBD, ADCB, FAB and more. Understand reversion rates and how to choose the right fix length. Best mortgage rates in the UAE: how to actually get them The lowest advertised rate is not always yours. How salary, LTV and salary transfer change your real rate, by profile. Best Mortgage UAE 2026: Our Top Picks by Profile The best UAE mortgage in June 2026: Standard Chartered conventional at 3.78%, Dubai Islamic Bank at 3.90%. Our top-5 ranked by total cost, approval flexibility and profile fit. Methodology explained. Best UAE Mortgage Comparison Sites 2026: Honest Review Honest review of the best UAE mortgage comparison sites in 2026: MortgageCompare.ae, Mortgage Finder, PropertyFinder, and Bayut mortgage tools. What each does well, where each falls short. Home Loan Interest Rate in UAE (June 2026): Current Rates from All Banks Current home loan interest rates in the UAE, June 2026. CBUAE base rate 3.65%, EIBOR 3.85%, best conventional rate 3.78%. How rates are set, what moves them, and how to get the lowest rate. Home Loan Rates Dubai: Live Rates (June 2026) Current Dubai home loan rates compared across HSBC, ENBD, ADCB, FAB, Mashreq, NBF, DIB and ADIB. Best conventional 3.78%, best Islamic 3.90%, EIBOR 3.85%. How to Get a Lower Mortgage Rate in the UAE: 7 Steps That Actually Work 7 proven steps to lower your UAE mortgage rate. Reduce LTV, compare banks, use a broker, credit your salary. The spread between banks can be 50-80 bps on the same profile. How UAE banks design mortgages: the tradeoffs behind every rate (2026) How UAE banks actually design mortgages: teaser rate vs reversion margin, rate vs early-repayment flexibility, salary transfer, fees and offset accounts. Read the tradeoffs before you sign. Lowest Mortgage Rates in the UAE (June 2026): How to Find and Secure Them The lowest mortgage rates in the UAE in June 2026 start at 3.78%. This guide shows which banks offer the lowest rates, what determines your offer, and how to negotiate below the published rate. Mashreq vs ADCB Mortgage UAE 2026: Which Bank Offers the Better Deal? Comparing Mashreq and ADCB home loans in the UAE for 2026. Products, eligibility, digital vs branch experience, and how to decide which bank suits your purchase. Live rates compared on MortgageCompare.ae. Mashreq vs Emirates NBD Mortgage UAE 2026: Which Bank Offers the Better Deal? Mashreq and Emirates NBD are two of the UAE's biggest mortgage lenders. We compare their products, rates, fees, eligibility and processing to help you choose. Mashreq vs HSBC mortgage UAE 2026: which bank suits you better? Comparing Mashreq and HSBC home loans in UAE for 2026. Both advertise variable rates from around 3.78%. Mashreq is faster and more digital; HSBC suits complex income and international buyers. Full comparison inside. Mortgage Comparison UAE: How to Compare Rates Across 20+ Banks UAE mortgage comparison June 2026: Standard Chartered 3.78%, DIB Islamic 3.90%, ADCB 3.95%. Full 12-bank table, headline vs effective rate guide, and who should fix vs go variable.

Fixed vs variable

1-Year Fixed Rate Mortgage UAE 2026: Who Offers the Lowest and Is It Right for You? 1-year fixed rate mortgages in UAE 2026: Standard Chartered conventional 3.78%, DIB Islamic 3.90%. Why a 1-year fix is popular right now, how the roll strategy works, and when longer fixes make more sense. 2-year fixed rate mortgage UAE 2026: rates, lenders and when it makes sense 2-year fixed rate mortgages in the UAE from 3.78% (HSBC) and 3.85% (Emirates NBD) in June 2026. Compare lenders, monthly costs, and see whether a 2-year fix beats a 1-year or 3-year product. 3-year fixed rate mortgage UAE 2026: rates, lenders and when to choose one 3-year fixed rate mortgages in the UAE from 3.78% (HSBC) and 3.85% (Standard Chartered MortgageOne) in June 2026. Compare lenders, monthly costs, and decide if 3 years is your sweet spot. 5-year fixed rate mortgage UAE 2026: is the certainty worth the higher rate? The best 5-year fixed rate mortgage in the UAE in June 2026 is 3.78% from HSBC. Compare 5-year fix rates across UAE banks, see monthly cost breakdowns, and learn when locking in for 5 years makes sense. Fixed vs Variable Mortgage UAE 2026 Fixed rates from 3.78% (Standard Chartered). Variable rates around 5.35% today. The honest 2026 comparison with worked examples on a AED 1.5M loan over 25 years. Flat rate vs reducing rate: which is cheaper? (UAE 2026) Flat rate vs reducing rate explained with a worked example. Why a flat rate costs more, how to convert one to the other, and why UAE mortgages use reducing balance. Variable Rate Mortgage UAE 2026: When EIBOR + Margin Makes Sense How variable rate mortgages work in the UAE. EIBOR + margin explained, current reversion rates, monthly payment sensitivity, and who should choose variable over fixed in 2026.

EIBOR & the rate market

1-Month EIBOR Rate UAE: What It Is and When It Matters The 1-month EIBOR is the UAE's one-month interbank rate, around 3.6% in June 2026, just below the 3-month rate of 3.85%. How it differs and when your mortgage uses it. 12-Month EIBOR Rate UAE 2026: What It Is and How It Affects Your Mortgage The 12-month EIBOR is the UAE's annual interbank benchmark, published daily by the CBUAE. How it is set, how it compares to shorter tenors, and what an annual reset means for UAE mortgages. 3-Month EIBOR Rate UAE: Today's Reading The 3-month EIBOR is 3.85% (June 2026). What the rate is, how the CBUAE sets it, and exactly how a 1% move changes your UAE mortgage payment. Worked example inside. 6-Month EIBOR Rate UAE: Today's Reading and What It Means The 6-month EIBOR is the UAE's semi-annual interbank rate, typically a few basis points above the 3-month rate. How it is set, who uses it, and what a 6-month reset means for your mortgage. EIBOR forecast 2026 and 2027: where UAE mortgage rates are heading Where is EIBOR heading in 2026 and 2027? How the UAE's dollar peg links EIBOR to the US Fed, what the current 3.85% reading means for mortgage borrowers, and whether to fix now or wait. What is EIBOR? How it sets your UAE mortgage rate EIBOR explained in plain English: how it is set, why it moves, and exactly how a 0.5% rise changes a AED 1.5M repayment. Will UAE Mortgage Rates Drop in 2026? UAE mortgage rate forecast for 2026: how Fed decisions translate through the AED-USD peg into CBUAE base rate, EIBOR and headline mortgage rates. Updated for June 2026.

Every bank's live rate, one table

Sorted by true cost, filterable by fixed period and Islamic or conventional.

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