UAE mortgage rates
A UAE home loan is usually a fixed rate for a few years, then a variable rate. The variable part is often a margin over EIBOR, the Emirates Interbank Offered Rate published by the Central Bank. The headline is not the full cost. Fees, salary transfer and the follow-on rate all sit in the offer.
Rates from 4.35% (as of 14 Nov 2026). Rates change, so speak to an adviser for today's best rate. Michael Melim, Head of Mortgages, confirms this figure each month. This is not a specific bank's rate, and it is not an offer.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
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Fixed, then a margin
During the fixed period the rate does not move with EIBOR. When that period ends, the loan usually steps onto a variable rate. Read the offer for the margin and for how often it resets.
EIBOR is a wholesale rate. Your mortgage rate is not EIBOR itself. It is whatever the lender agrees, and that can be a margin added to a published tenor of EIBOR.
Why a low headline can cost more
A lower rate that requires your salary to be paid to that bank is a different product from a rate with no salary transfer. The arrangement fee, the valuation, and the cost of leaving early belong in the same comparison.
We do not publish a table of bank rates on this page. Those figures move, and an unsourced number is worse than none. The indicative figure we do show is for the calculator only. It is not a bank's rate.
What we compare
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.
Questions
EIBOR is the Emirates Interbank Offered Rate, published by the Central Bank of the UAE. Many variable home loans are priced as a margin over one of its tenors. The margin is set by the lender in the offer.
No. A bank rate without a date and a source would be a guess. The calculator uses an indicative rate that Michael Melim confirms each month, and you can type a different rate. For a figure a lender will stand behind, speak to an adviser.
No. Salary transfer is a condition some lenders attach to a particular price. Another lender may lend without it, sometimes at a different rate. Compare the two rather than treating the condition as a rule.
No. An Islamic home-finance contract quotes a profit, not an interest rate, and we do not reprint a bank's profit rate. The structures are explained on the Islamic home finance page.