UAE Mortgage Banks — Complete Guide (2026)

The UAE mortgage market is regulated by the Central Bank of the UAE (CBUAE), which sets the framework within which all licensed banks operate. Key regulatory limits include: a maximum Loan-to-Value (LTV) of 80% for expatriate buyers on completed properties under AED 5 million (85% for UAE nationals), a maximum LTV of 70% for all buyers on properties above AED 5 million, and a Debt Burden Ratio (DBR) cap of 50% — meaning total monthly debt repayments (including the new mortgage) cannot exceed half of your gross monthly income. Early settlement fees are capped at 1% of the outstanding balance or 3 months' interest, whichever is lower.

Mortgage rates across UAE banks are driven by factors including the applicable EIBOR benchmark, the bank's cost of funds, the borrower's circumstances, the property category and the loan tenure. Compare dated published values and the full lender terms rather than relying on undated headline figures.

Current UAE Mortgage Rate Data

Current published lender values are loaded from Mortigo's public-safe bank projection in the interactive directory below. If that source is unavailable, no static rate or eligibility figures are presented as current facts. View the dated UAE mortgage-rate comparison.

Conventional Banks

• Emirates NBD
• First Abu Dhabi Bank
• Mashreq Bank
• Commercial Bank of Dubai
• RAKBANK
• HSBC UAE
• Standard Chartered UAE
• United Arab Bank
• Arab Bank
• National Bank of Fujairah
• Bank of Baroda UAE

Islamic Banks (Sharia-Compliant)

• Abu Dhabi Islamic Bank
• Dubai Islamic Bank
• Emirates Islamic
• NBD Islamic (Emirates NBD)
• Al Hilal Bank
• Ajman Bank
• Sharjah Islamic Bank

How to Choose the Right UAE Mortgage Bank

When selecting a UAE mortgage bank, compare fixed and variable rates, minimum salary requirements, LTV limits, processing fees, and approval timelines. Eligibility varies between banks. Mortigo uses AI to compare the information you share with criteria from participating lenders and surface potentially suitable options for a human advisor to review with you. The lender makes every approval and pricing decision.

Frequently Asked Questions — UAE Mortgage Banks

Which UAE bank is best for expats getting a mortgage?

Several UAE lenders offer expat mortgage programmes. Eligibility varies by residence status, income, employment, loan size and property choice. Compare current lender criteria to identify options that may suit your profile.

What is the minimum salary for a UAE mortgage?

Most UAE banks require AED 10,000–15,000 per month for salaried employees, and AED 25,000 or more for self-employed applicants. Meeting the salary minimum alone does not guarantee your required loan amount — your total debt repayments must also stay within the CBUAE's 50% DBR cap.

Can I get an Islamic mortgage in the UAE?

Yes. ADIB, DIB, Emirates Islamic, and Al Hilal Bank offer Sharia-compliant home finance using Murabaha or Diminishing Musharaka structures. These avoid interest entirely, using a profit-rate structure instead. Eligibility criteria are broadly similar to conventional mortgages.

What is the maximum LTV for a UAE mortgage?

CBUAE sets the maximum LTV at 80% for expats (20% down payment) and 85% for UAE nationals (15% down payment) on completed properties under AED 5 million. For properties above AED 5 million, the maximum is 70% for all buyers. Off-plan properties are typically capped at 50% LTV during construction.

How long does UAE bank mortgage approval take?

Pre-approval and full approval timing vary by lender, applicant, document completeness, property valuation and transaction type. Mortigo can help prepare an application, but the lender controls its assessment and timeline.

UAE Mortgage Bank Comparisons

Compare banks head-to-head: Emirates NBD vs ADIB, FAB vs Emirates NBD, ADIB vs DIB, and more at our bank comparison hub.

Apply Through Mortigo

Share your circumstances once so Mortigo can surface potentially suitable options from participating lenders for human review. Check your eligibility.