UAE Mortgage Rates — Indicative Bank Comparison
Mortigo compares available mortgage products from its UAE lender panel. Published starting rates are not offers and may be available only to applicants who meet a lender's product conditions.
Mortgage rate data temporarily unavailable
Latest stored EIBOR benchmark rates
Validated EIBOR fixing dated 2026-10-22 with value date 26 October 2026. Source: FCMB validated daily backup.
| Tenor | Rate (% p.a.) |
|---|---|
| Overnight | 3.6688% |
| 1 Week | 4.1192% |
| 1 Month | 4.1505% |
| 3 Months | 4.4497% |
| 6 Months | 4.6629% |
| 1 Year | 4.8465% |
Validated bank-published backup; not an official CBUAE retrieval. EIBOR is the Emirates Interbank Offered Rate, published on UAE business days. Publication schedules and lender reset dates vary.
Current lender-rate data is temporarily unavailable. We do not display hardcoded figures as current market rates. Please check again later or ask an advisor for a dated comparison.
What Affects Your UAE Mortgage Rate?
- Loan-to-Value (LTV): Lenders may price products differently across LTV bands.
- Employment type: Lender criteria can differ for government, private-sector and self-employed applicants.
- Salary transfer: Some products make pricing conditional on salary transfer.
- Loan amount: Product bands and fees can vary by loan amount.
- Credit history: Lenders assess credit history and existing commitments.
- Fixed period: Pricing differs by fixed period and revert-rate structure.
Fixed Rate vs Variable Rate — Which is Better in UAE?
Fixed rate: Your monthly payment stays the same during the fixed period regardless of EIBOR movements. This may suit borrowers seeking payment certainty.
Variable rate: Your payment changes as EIBOR moves. Suitability depends on your circumstances and tolerance for payment changes.
The suitable structure depends on budget, plans, risk tolerance, fees and lender terms. Consider independent financial advice where appropriate.
What is EIBOR?
EIBOR (Emirates Interbank Offered Rate) is a UAE dirham benchmark published by the Central Bank of the UAE. Some variable mortgages use a specified EIBOR tenor plus a lender margin, subject to the contract's reset schedule and any rate floor.
Calculate Your Mortgage Repayments
Use our free mortgage calculator to estimate monthly repayments from a rate you enter after reviewing the latest available published figures above.
Get Your Personalised Rate Quote
The rates above are indicative. Your actual rate depends on your specific profile, the bank, and current market conditions. Mortigo's advisors can provide you with firm rate offers from multiple banks based on your actual situation.
Phone & WhatsApp: +971 50 729 7196 | Email: info@mortigo.ae
Or submit an online application for an initial assessment. Any lender offer or pre-approval remains subject to that lender's review and timing.
Published UAE mortgage rates
Understanding your options is the first step to securing the best deal. Here's what's available across major UAE banks.
Current lender-rate data is unavailable
We do not display hardcoded figures as current market rates. Please check again later.
Latest stored EIBOR benchmark rates
Historical EIBOR benchmark rates. Toggle tenors and adjust the date range below. Variable-rate mortgages are priced as EIBOR + bank margin.
UAE Bank Mortgage Rates Comparison
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What Affects Your UAE Mortgage Rate?
The Emirates Interbank Offered Rate (EIBOR) is the benchmark rate used by UAE banks for variable-rate mortgages. Your mortgage rate is typically EIBOR plus a fixed margin set by the bank.
EIBOR fluctuates based on economic conditions, monetary policy, and global interest rate trends. When EIBOR drops, your variable-rate mortgage payment decreases — and vice versa.
Rates shown are indicative and subject to bank approval. Your actual rate depends on your profile, property value, and LTV ratio. Mortigo helps you navigate these variables to secure the most competitive offer.
Current EIBOR Rates
| Tenor | Rate (% p.a.) |
|---|---|
| Overnight | |
| 1 Week | |
| 1 Month | |
| 3 Months | |
| 6 Months | |
| 1 Year |
No validated EIBOR fixing is currently available in stored data.
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