Emirates NBD mortgage rates compared
Emirates NBD is one of the banks buyers already hold a salary account with, so it is often the first quote they receive. A quote from your own bank is one quote. Emirates Islamic sits on the same panel if you want an Islamic contract from that group of names. We still do not publish Emirates NBD's rate.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Emirates NBD and we are not affiliated with Emirates NBD. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
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How a Emirates NBD comparison works
We take the same facts to more than one lender: the price or budget, the deposit, whether you live in the UAE, how you are paid, and whether the home is ready or off-plan.
What comes back is a set of offers, or a set of refusals. A headline rate is only one line of that. Salary transfer, the arrangement fee, the fixed period and the early settlement cost all change what you pay.
The advice from A&A Mortgage Services is free of charge to you. We work with every major UAE lender, on your behalf. The bank still decides.
What actually changes the cost
Compare the fixed period, the margin that applies afterwards, any salary-transfer condition, the arrangement fee and the cost of leaving early. The lowest starting rate is not automatically the cheapest loan.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.
Questions
No. A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Emirates NBD and we are not affiliated with Emirates NBD. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
We do not state Emirates NBD's rate. Rates move, and a number on this page would be presented as fact when it is not an offer from Emirates NBD. Ask an adviser for the figure Emirates NBD will put in writing.
Yes. Emirates NBD is one of the major UAE lenders we work with. We put the same facts to Emirates NBD and to the other lenders on the panel, then explain the differences in dirhams.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.