Compare the top home finance providers in United Arab Emirates — see cover, features and typical rates side by side.
20 live offers compared from 15 providers, from 3.25 نسبة الفائدة السنوية. Updated daily.
3.25 نسبة الفائدة السنوية
تمويل عقاري من بنك أبوظبي الأول للعقارات في الإمارات العربية المتحدة. أسعار تنافسية وفترات سداد مرنة.
3.49 نسبة الفائدة السنوية
قروض سكنية من بنك الإمارات دبي الوطني للمواطنين والمقيمين في دولة الإمارات العربية المتحدة. شراء أو بناء أو تحرير رأس المال.
3.49 نسبة الفائدة السنوية
تمويل سكني متوافق مع الشريعة الإسلامية من بنك دبي الإسلامي. مزود رائد للتمويل العقاري الإسلامي في الإمارات العربية المتحدة.
3.50 نسبة الفائدة السنوية
التمويل السكني الإسلامي من بنك أبوظبي الإسلامي باستخدام هيكل المشاركة المتناقصة.
3.99 نسبة الفائدة السنوية
قروض سكنية من بنك HSBC الإماراتي للمقيمين وغير المقيمين الذين يشترون عقارات في الإمارات.
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
AED 8000 /شهر
Home finance, or a mortgage, is a long-term loan secured against a property that you repay in monthly instalments over a term of up to 25 years. In the UAE it is central to the Dubai and Abu Dhabi property markets, where residents and, in designated freehold zones, some overseas buyers purchase homes. Products come in conventional (interest-based) and Islamic forms, the latter structured as Ijara (lease-to-own) or Murabaha (cost-plus sale) so that ownership can be financed without conventional interest, giving buyers a genuine choice of approach.
The Central Bank of the UAE sets the core lending rules that shape every mortgage. Expatriates can generally borrow up to 80% of the value of a first property priced under AED 5 million, meaning a 20% deposit, with the required deposit rising for higher-value homes, while UAE nationals qualify for slightly higher loan-to-value limits. Rates are typically quoted as fixed for an initial period and then variable, usually linked to EIBOR plus a margin. Crucially, total monthly debt repayments across all borrowing are capped at 50% of gross income.
Access to ownership — Lets you buy without paying the full price upfront, spreading the cost over decades.
Fixed-rate certainty — Introductory fixed periods protect your repayments against short-term rate rises.
Islamic options — Ijara and Murabaha structures let buyers finance a home in a Sharia-compliant way.
Compare the initial rate but pay equal attention to the follow-on variable rate and the margin over EIBOR, since that governs most of a long mortgage term. Weigh arrangement, processing and valuation fees, the early-settlement charge, and whether the product is fixed or variable overall. Decide between conventional and Islamic finance, factor in mandatory building insurance and life cover, and obtain a pre-approval to confirm your realistic budget before you start viewing properties.
Emirates NBD, First Abu Dhabi Bank, ADCB, HSBC UAE, RAKBank and Standard Chartered are major conventional lenders, while Dubai Islamic Bank and ADIB lead on Sharia-compliant home finance. Rates, fees and eligibility criteria vary between them and with the specific property and buyer profile, so comparing offers, or using a mortgage adviser, can save a significant sum over the life of the loan.
Mortgage rates in the UAE commonly start from around 3.25% for an introductory period, with arrangement fees, valuation costs and insurance adding to the total outlay. Monthly repayments run to several thousand dirhams and the principal into the millions on prime property. Because the follow-on variable rate drives long-run cost, confirm it, the deposit required and all upfront charges before committing to a lender.
The CBUAE regulates mortgage lending, capping loan-to-value ratios, the maximum term at 25 years and the debt-burden ratio at 50% of income, and limiting early-settlement fees. Lenders require building insurance and usually life cover assigned to the loan. Read the offer letter closely for the variable-rate mechanism, the reference index and the settlement terms, so there are no surprises once the fixed period ends.
How much deposit do I need? — Usually at least 20% for expats on a first property under AED 5 million, more above that threshold.
Fixed or variable? — Most deals fix for an initial period then move to an EIBOR-linked variable rate.
Can I get Sharia-compliant finance? — Yes, Islamic banks offer Ijara and Murabaha home finance.
Giraffy tracks 5 home finance products across First Abu Dhabi Bank,Emirates NBD,Dubai Islamic Bank,ADIB,HSBC UAE lenders in United Arab Emirates. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.
A fixed-rate home finance locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Central Bank of the UAE (CBUAE). Fixed rates suit those who want stability; variable suits those who expect rates to fall.
Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional home finance. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A home finance adviser or broker can run a full affordability assessment for free.
Loan-to-Value (LTV) is the home finance amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.
An indicative approval can usually be obtained the same day online. Full home finance approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.
Yes — Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. In GCC markets, Islamic home-finance products (Murabaha, Ijara) are widely available alongside conventional products. Giraffy tracks both conventional and Islamic products in the comparison.
Lenders often charge arrangement, origination, or application fees to set up a home finance — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.