United Arab Bank mortgage rates compared
United Arab Bank appears on comparison sites, sometimes next to a headline rate. That rate is not repeated here. UAB is not one of the fifteen names on our published panel list. An adviser can tell you whether a live case can be placed with UAB. Until then, this page only explains the comparison.
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 United Arab Bank and we are not affiliated with United Arab Bank. 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 UAB 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 United Arab Bank and we are not affiliated with United Arab Bank. 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 UAB's rate. Rates move, and a number on this page would be presented as fact when it is not an offer from United Arab Bank. Ask an adviser for the figure UAB will put in writing.
UAB is not on the fifteen-name panel list on this site. We compare the major lenders we do work with, and we can tell you whether UAB can be approached for your case.
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.