UAE mortgages, compared by bank
Every major UAE lender in one place — with the full Ambizent calculator on every page.
Pick a bank to see its indicative 2026 rates, eligibility, and honest pros and cons — and use our full Central-Bank-rules calculator, pre-set to that bank's rate, right on the page. Then we compare your profile across 20+ banks and bring you the sharpest deal, free.
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from 3.70%Cheapest mainstream conventional; great for expats & non-salary-transferView HSBC →
from 3.78%Lowest published conventional; MortgageOne offset account; strong for non-residentsView Standard Chartered →
from 3.85%Competitive all-rounder; conventional + Islamic; strong in Abu DhabiView ADCB →
from 3.89%New 3yr fixed; low-doc program for self-employed; strong refinance rateView RAKBANK →
from 3.90%Lowest major Islamic profit rate; fully Sharia-compliantView Dubai Islamic Bank →
from 3.95%No AIP fee, cashback, high loan ceilings; strong for villas & nationalsView First Abu Dhabi Bank →
from 3.99%Fastest DLD processing; ideal for off-plan handovers; loans to AED 25MView Emirates NBD →
from 4.09%Fast pre-approval; competitive for self-employed & non-salary-transferView Mashreq →
from 3.59%Abu Dhabi Islamic Bank; low Islamic profit rate; stability-focusedView ADIB →
from 3.99%Competitive salary-transfer rates and frequent campaignsView Commercial Bank of Dubai →
from 4.20%Sharia-compliant; ENBD Group tools; strong digital experienceView Emirates Islamic →
from 3.25%Often the lowest Islamic rate in the UAE; no salary transfer requiredView National Bank of Fujairah →
from 3.99%Sharia-compliant; competitive; strong in Sharjah & Northern EmiratesView Sharjah Islamic Bank →
from 4.25%Flexible underwriting; strong appetite for self-employed applicantsView United Arab Bank →
from 4.15%Sharia-compliant local specialist; strong in Ajman & Northern EmiratesView Ajman Bank →
from 3.99%Islamic home finance; part of the ADCB Group; Abu Dhabi presenceView Al Hilal Bank →
from 4.25%Established regional bank; seasonal campaigns; conventional mortgagesView Arab Bank →
from 4.25%India's international bank; a familiar choice for Indian & NRI buyersView Bank of Baroda →
from 4.50%Boutique private bank; tailored financing for high-net-worth buyersView Emirates Investment Bank →
Comparing UAE mortgage banks
How many UAE banks do you compare?
We compare mortgage offers across 20+ UAE banks — conventional and Islamic — including HSBC, Standard Chartered, Emirates NBD, ADCB, FAB, Dubai Islamic Bank, Mashreq, ADIB, RAKBANK, CBD, NBF and more. We bring you the sharpest deal for your profile, free.
Which UAE bank has the best mortgage rate?
It changes month to month as banks run campaigns, and the best bank depends on your profile. NBF and Standard Chartered's Saadiq often lead on Islamic rates, HSBC and Standard Chartered on conventional, while ADCB, FAB and Mashreq are strong all-rounders. We compare all of them for your exact situation.
Does it cost anything to compare banks through Ambizent?
No. Our mortgage comparison and advisory service is free to you — the bank pays us a fee on completion, never you. You only proceed with a bank if it's genuinely your best option.
Can you help expats and non-residents?
Yes. Several UAE banks lend to expats and a smaller number to non-residents (typically 50–65% LTV, up to 75% with a Golden Visa). We match you to the lenders most likely to approve your profile and offer the best terms.
Not sure which bank fits you?
Tell us your budget and profile — we'll compare all 20+ UAE banks and bring you the sharpest rate for your situation. Free, no obligation.
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