ADCB Mortgage in the UAE
ADCB home loan rates, eligibility and a full calculator — compared against 20+ UAE banks, free.
Abu Dhabi Commercial Bank (ADCB) is one of the UAE's strongest all-round mortgage lenders — competitive on rate, clean on processing, and offering both conventional and Islamic home finance. It's a particularly good fit for UAE nationals, Abu Dhabi-based buyers, and investors using the 60% LTV second-property segment. ADCB rarely has the single lowest headline rate, but its combination of price, flexibility and reliable underwriting makes it a frequent winner once your whole profile is considered.
ADCB mortgage calculator
The full Ambizent calculator — pre-set to ADCB's indicative rate and built on real UAE Central Bank rules (LTV caps, the 50% debt-burden ratio, the 25-year term). Adjust any field to model your own numbers, then get ADCB's exact rate from us — compared free against 20+ banks.
Upfront costs (paid in cash)
down payment + fees—
Estimates only, based on UAE Central Bank LTV/DBR regulations and typical Dubai fee schedules. Non-resident LTVs reflect common bank policy rather than a published cap. Final terms are set by the lender. This is not financial advice.
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Best for
Salaried expats and UAE nationals who want a competitive all-rounder, Abu Dhabi-domiciled buyers, and investment-property buyers using the 60% LTV segment.
Look elsewhere if
You're chasing the absolute lowest conventional rate (Standard Chartered/HSBC may edge it) or the lowest Islamic rate (DIB/NBF may be sharper).
ADCB mortgage rates & products
ADCB's Standard Mortgage Loan offers either a hybrid structure (a fixed introductory period, then variable) or a pure variable rate priced as EIBOR + margin. Indicative conventional rates in 2026 commonly start around 3.85%–3.99% for the initial fixed period. ADCB also offers Islamic home finance alongside its conventional range, so Sharia-compliant buyers can stay with the same bank. Salary-transfer customers typically unlock relationship pricing worth roughly 0.1–0.25%.
ADCB eligibility
ADCB lends to UAE nationals and resident expats, with both salary-transfer and non-salary-transfer options. Standard Central Bank caps apply: up to 85% LTV for national first homes, 80% for expats (under AED 5M), 60% on second/investment property, a 50% DBR, and terms up to 25 years. Processing is generally clean and reasonably quick (around 3–7 working days to pre-approval).
ADCB mortgage: pros & cons
Strengths
- Competitive all-rounder on rate and service
- Both conventional and Islamic products in one bank
- Strong for UAE nationals and Abu Dhabi buyers
- Good on the 60% LTV investment-property segment
- Salary-transfer relationship pricing available
Watch-outs
- Rarely the single lowest headline rate
- Best pricing tied to salary transfer
- Early-settlement terms vary by product
ADCB vs comparing the whole market
ADCB may well be your best option — but the only way to know is to compare it against every other UAE lender for your exact profile. On a AED 1.5 million, 25-year mortgage, the gap between the sharpest and a mid-market rate can be around AED 150,000 over the term. That's why we place your profile in front of 20+ UAE banks, conventional and Islamic, and bring you the best — free, because the bank pays us on completion, never you. You take ADCB only if it genuinely wins.
ADCB mortgage — frequently asked questions
What are ADCB's mortgage rates in 2026?
ADCB's indicative conventional rates commonly start around 3.85%–3.99% p.a. for the initial fixed period in 2026, with hybrid (fixed-then-variable) and pure variable structures. Islamic home finance is also available. Your exact rate depends on your profile; we confirm ADCB's current best rate for you and compare it against 20+ banks, free.
Does ADCB offer Islamic home finance?
Yes — ADCB offers Sharia-compliant Islamic home finance alongside its conventional mortgages, so you can compare both structures within the same bank. We help you weigh the all-in cost of each for your situation.
Can expats get an ADCB mortgage?
Yes. ADCB lends to both UAE nationals and resident expats, with salary-transfer and non-salary-transfer options. Expats can typically finance up to 80% of a first property under AED 5 million, subject to the 50% debt-burden ratio.
Is ADCB good for investment property?
ADCB is considered strong on the second-home/investment segment, where the Central Bank caps financing at 60% LTV for expats. Its clean processing and competitive pricing make it a common choice for buy-to-let purchases, particularly in Abu Dhabi.
How do I get ADCB's best mortgage rate?
Share your details and we'll confirm ADCB's current best rate for your exact profile — then compare it free against 20+ other UAE banks so you only take ADCB if it's genuinely your best deal. There's no cost to you.
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Share your details and an advisor will confirm exactly what ADCB will offer you — and compare it against 20+ UAE banks so you get the sharpest deal. No cost, no obligation.
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