Compare home loans and mortgages from leading UAE banks, calculate your monthly EMI, check eligibility in seconds and see every upfront cost – before you make an offer on your next villa or apartment.
From fixed-rate certainty to Sharia-compliant home finance, every structure works differently. Tap a type to see who it suits and what to watch for.
Your rate is locked for an initial period – typically 1 to 5 years – so your EMI stays the same no matter what happens to EIBOR. After that it reverts to a variable rate.
Priced as EIBOR plus a fixed bank margin. Your payment adjusts when EIBOR moves – you benefit immediately when rates fall, but pay more when they rise.
Structured as Ijara (lease-to-own) or Murabaha (cost-plus sale) so no interest is charged. You pay a profit rate instead – available fixed or variable from Islamic banks and windows.
Finance a property still being built by an approved developer. Banks typically fund up to 50% and release payments in line with construction milestones.
Move your existing mortgage to a new bank for a lower rate, or release equity from a property you own. Early settlement fees are capped by the Central Bank.
Buy UAE property while living overseas. Selected banks lend to non-residents with lower LTV limits, higher income requirements and extra documentation.
Move the sliders to estimate your EMI, total interest and how the UAE Central Bank's loan-to-value limit shapes your down payment.
Minimum down payment for this profile is 20%.
Compare indicative rates, fees and tenure across the most popular mortgage structures offered by UAE banks. Filter by what matters to you.
Rates shown are indicative market ranges for illustration only and change with EIBOR and bank policy. Final rate, fees and approval are always set by the lender – confirm the latest terms before you apply.
Answer four quick questions for an instant, no-impact readiness score. Nothing is stored and your credit score is not touched.
The Central Bank of the UAE caps the loan-to-value (LTV) ratio on mortgages. The rest must come from your own savings as a down payment – and fees are paid on top.
Property up to AED 5M. Above AED 5M the cap drops to 70%.
Property up to AED 5M. Above AED 5M the cap is 75%.
Typical cap for expats on additional properties (60% for higher values).
Banks usually finance up to half of off-plan purchases from the developer.
In Dubai, transaction fees typically add 6–8% on top of the price and can't be financed into the mortgage. Here's a live breakdown for the property in your calculator.
Tip: keep an extra 1–2% buffer for moving, furnishing, DEWA deposit and service charges.
Tick off each document as you collect it. Banks may ask for more depending on your profile.
Most purchases complete in 4–8 weeks once you've found the right home.
Get a bank's in-principle approval to know your budget – usually valid 60–90 days.
Choose your property, agree the price and sign the MOU with a 10% deposit cheque.
The bank values the property – the loan is based on the lower of price or valuation.
Review and sign the FOL, life & property insurance and the mortgage contract.
Meet at the trustee office, pay DLD fees, receive the title deed – and your keys.
The right choice depends on how long you'll stay, your appetite for rate changes and your faith preferences.
| Feature | Fixed rate | Variable (EIBOR-linked) | Islamic (Ijara / Murabaha) |
|---|---|---|---|
| How pricing works | Locked for 1–5 years, then reverts | EIBOR + bank margin, resets every 1–3 months | Profit rate instead of interest, fixed or variable |
| Payment certainty | High during fixed period | Moves with the market | High if fixed profit rate |
| Benefit when rates fall | No (until reversion) | Yes, immediately | Depends on structure |
| Early settlement fee | Capped at 1% of outstanding (max AED 10,000) | Capped at 1% of outstanding (max AED 10,000) | Capped similarly; check contract |
| Best for | Budget certainty, first-time buyers | Short holds, expecting rate cuts | Sharia-compliant financing |
Compare cumulative rent against the net cost of owning (interest + fees − equity gained) over the next 10 years.
Uses the property price, down payment, rate and tenure from the EMI calculator above.
First home purchases come with the highest LTV, and many banks offer fee waivers, cashback on transfer or free valuation. A mortgage advisor can compare several banks for you at no cost.
A score above ~700 typically unlocks better pricing. Clear late payments and reduce card limits before applying.
Banks cap total debt repayments at 50% of income – the lower yours is, the more you can borrow.
A low fixed teaser means little if the follow-on rate is high. Compare the full 5-year cost.
Arrangement fees, valuation and life-insurance pricing are often negotiable – especially for salary transfers.
Sellers and agents take you seriously, and you won't fall in love with a home you can't finance.
Mortgage life and property insurance are mandatory – compare bank vs external cover to save.
Bank rules are federal, but fees, freehold zones and land departments differ by emirate.
Freehold hotspots like Dubai Marina, Downtown & JVC. DLD fee 4%.
CapitalInvestment zones such as Saadiyat, Yas & Al Reem. ADREC registration.
ValueAffordable family homes; freehold options for all nationalities in selected projects.
AffordableLower entry prices and growing freehold communities.
CoastalWaterfront living at Al Marjan Island and Mina Al Arab.
EmergingUmm Al Quwain & Fujairah – emerging, scenic and spacious.
Hover or tap a card to flip it.
GuideEverything from pre-approval to title deed, explained simply.
7 min readRead more →
CostsDLD, trustee, agency and bank fees – what to budget.
5 min readRead more →
ApprovalCredit score, DBR and documents that make banks say yes.
6 min readRead more →It depends on the property value, your residency and income. Expats can usually borrow up to 80% of a first home valued up to AED 5 million (70% above that), while UAE nationals can borrow up to 85% (75% above AED 5 million). Your total monthly debt repayments must also stay within 50% of your income.
Most banks ask for a minimum monthly salary of around AED 15,000 for salaried applicants, though some accept lower incomes for smaller loans. Self-employed applicants are often asked for higher income and at least two years of trading history.
The maximum mortgage tenure in the UAE is 25 years. Banks also cap the age at loan maturity – typically 65 for salaried and 70 for self-employed borrowers.
Expect the DLD transfer fee (4% of the price plus admin), mortgage registration (0.25% of the loan plus AED 290), agency commission (around 2% + VAT), bank arrangement fee (up to 1% + VAT), valuation (about AED 2,500–3,500) and trustee fees. These are paid in cash and can't be added to the loan.
A fixed rate gives you payment certainty for an initial period and suits buyers on a set budget. A variable rate follows EIBOR, so it can be cheaper when rates fall but rises when they go up. Many buyers choose a 3–5 year fixed term and refinance afterwards.
Yes. Selected UAE banks lend to non-residents, usually with lower LTV limits (often around 50–60%), higher income thresholds and additional documents such as overseas bank statements and credit reports.
Under Central Bank rules, the early settlement fee is capped at 1% of the outstanding balance or AED 10,000, whichever is lower.
Pre-approval typically takes 3–7 working days once documents are submitted. From signing the MOU to transfer, a mortgage purchase usually completes in 4–8 weeks.
No. Gulf Policy Souq helps you compare and understand options. Home loans are provided by banks and financial institutions, and final approval is always subject to the lender's criteria.
Not necessarily. Islamic home finance uses a profit rate instead of interest, and pricing is often comparable to conventional mortgages. Compare the total cost, fees and terms across both.
Compare mortgage options, calculate your EMI and get pre-approval guidance – all in one place, free.