ADCB Mortgage in the UAE
ADCB home loan rates, eligibility and a full calculator — compared against 20+ UAE banks.
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.
Get pre-approved — compare all banks →Is ADCB right for you?
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 — independent, whole-of-market advice. 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.
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 against 20+ other UAE banks so you only take ADCB if it's genuinely your best deal. There's no cost to you.
Get ADCB's best rate
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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