Buy, refinance or build. Compare UAE mortgage rates for residents, non-residents and self-employed applicants — fixed and variable, conventional and Islamic.
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FAQs
Mortgage questions
How much down payment do I need for a UAE mortgage?
Expats need a 20% down payment for a first property under AED 5M, and 15% for nationals. For properties above AED 5M or second-property purchases, the down payment rises to 30–35%. Off-plan properties typically require 50%.
Fixed or variable rate?
UAE mortgages typically come with 1, 3, 5 or 7-year fixed-rate periods, after which the rate reverts to a variable rate tied to EIBOR (Emirates Interbank Offered Rate). A longer fixed period gives certainty but tends to come at a slightly higher rate.
Can non-residents get a mortgage?
Yes. HSBC, FAB, Mashreq and Standard Chartered all offer non-resident mortgages, usually with a higher down payment (40%+) and more documentation. Toggle the "Available to non-residents" filter to see eligible products.
What is the maximum tenure?
Up to 25 years for expatriates and 30 years for nationals — with the loan ending no later than age 65 for salaried borrowers and age 70 for self-employed.