Home Loans & Mortgages in UAE
Compare 12 mortgage offers — conventional & Islamic finance — updated May 2026
Affordability Summary
Property Price
AED 1,500,000
Down Payment (20%)
AED 300,000
Loan Amount
AED 1,200,000
DLD Fee (4%)
AED 60,000
Agency Fee (2%)
AED 30,000
12 resultsSorted by lowest rate
Home Loan · Variable (EIBOR + margin)
Rate
4.15% p.a.
Max LTV
80%
Max Loan
AED 15,000,000
Processing Fee
1%
Monthly Payment
AED 6,434
Total interest
AED 730,155
Total payable
AED 1,930,155
Best variable rateFree property valuationPre-approval in 5 daysEarly settlement: 1% (after 1yr free)
Home Finance (Ijara) · Profit rate (Ijara)
Rate
4.19% p.a.
Max LTV
80%
Max Loan
AED 15,000,000
Processing Fee
1%
Monthly Payment
AED 6,461
Total interest
AED 738,183
Total payable
AED 1,938,183
vs Best Rate
+AED 27/mo
Sharia compliantNo early payment penaltyUAE Nationals & ExpatsEarly settlement: No penalty
Home Loan · Variable (EIBOR + margin)
Rate
4.24% p.a.
Max LTV
80%
Max Loan
AED 20,000,000
Processing Fee
1% (min AED 10K)
Monthly Payment
AED 6,494
Total interest
AED 748,242
Total payable
AED 1,948,242
vs Best Rate
+AED 60/mo
Highest loan limitPre-approval in 7 daysDLD fee waiver promosEarly settlement: 1%
Home Finance · Profit rate
Rate
4.25% p.a.
Max LTV
80%
Max Loan
AED 10,000,000
Processing Fee
1%
Monthly Payment
AED 6,501
Total interest
AED 750,257
Total payable
AED 1,950,257
vs Best Rate
+AED 67/mo
Sharia compliantFlexible tenureExpat & UAE eligibleEarly settlement: No penalty
Home Loan · Variable (EIBOR + margin)
Rate
4.29% p.a.
Max LTV
80%
Max Loan
AED 10,000,000
Processing Fee
1%
Monthly Payment
AED 6,528
Total interest
AED 758,329
Total payable
AED 1,958,329
vs Best Rate
+AED 94/mo
Expat-friendlyQuick approvalFlexi repaymentEarly settlement: 1%
AB
Ajman BankIslamicUAE Nationals onlyHome Finance (Islamic) · Profit rate (Ijara)
Rate
4.3% p.a.
Max LTV
80%
Max Loan
AED 5,000,000
Processing Fee
1%
Monthly Payment
AED 6,534
Total interest
AED 760,350
Total payable
AED 1,960,350
vs Best Rate
+AED 101/mo
UAE NationalsSharia compliantLower min salaryEarly settlement: No penalty
Home Finance · Profit rate (Diminishing Musharaka)
Rate
4.35% p.a.
Max LTV
80%
Max Loan
AED 10,000,000
Processing Fee
1%
Monthly Payment
AED 6,568
Total interest
AED 770,470
Total payable
AED 1,970,470
vs Best Rate
+AED 134/mo
Sharia compliantDiminishing MusharakaSalary transfer not mandatoryEarly settlement: No penalty
Home Loan · Variable (EIBOR + margin)
Rate
4.4% p.a.
Max LTV
75%
Max Loan
AED 10,000,000
Processing Fee
1%
Monthly Payment
AED 6,602
Total interest
AED 780,618
Total payable
AED 1,980,618
vs Best Rate
+AED 168/mo
Lower min loanOnline pre-approvalFlexible repaymentEarly settlement: 1%
Home Loan · Variable (EIBOR + margin)
Rate
4.49% p.a.
Max LTV
80%
Max Loan
AED 25,000,000
Processing Fee
1%
Monthly Payment
AED 6,663
Total interest
AED 798,954
Total payable
AED 1,998,954
vs Best Rate
+AED 229/mo
Expat specialistHigh loan limitPremier bankingEarly settlement: 1%
Home Loan · Variable (EIBOR + margin)
Rate
4.5% p.a.
Max LTV
75%
Max Loan
AED 10,000,000
Processing Fee
0.5%
Monthly Payment
AED 6,670
Total interest
AED 800,997
Total payable
AED 2,000,997
vs Best Rate
+AED 236/mo
Lowest processing feeOnline pre-approvalExpat specialistEarly settlement: 1%
Home Loan · Variable (EIBOR + margin)
Rate
4.55% p.a.
Max LTV
80%
Max Loan
AED 10,000,000
Processing Fee
1%
Monthly Payment
AED 6,704
Total interest
AED 811,227
Total payable
AED 2,011,227
vs Best Rate
+AED 270/mo
Digital applicationExpat specialistWorldwide coverageEarly settlement: 1%
RB
RAK BankHome Loan (Fixed 5yr) · Fixed 5yr then variable
Rate
4.75% p.a.
Max LTV
75%
Max Loan
AED 5,000,000
Processing Fee
1%
Monthly Payment
AED 6,841
Total interest
AED 852,423
Total payable
AED 2,052,423
vs Best Rate
+AED 408/mo
5yr fixed rate certaintyLower income thresholdGood for Sharjah/Ajman propertiesEarly settlement: 1%
Disclaimer: Rates shown are indicative. EIBOR-linked rates change monthly. Actual rate depends on your credit score, employer, and bank policy. DLD and agency fees are approximate. Full disclaimer
Official data sources
Home loan & mortgage data sourced from official UAE government and institutional websites. Rates are indicative — always verify directly with the institution before applying.