FAB Mortgage in the UAE
First Abu Dhabi Bank home loan rates, eligibility and a full calculator — compared against 20+ UAE banks, free.
First Abu Dhabi Bank (FAB) is the UAE's largest bank by assets, and its scale shows in its mortgage proposition: high financing limits, no approval-in-principle fee, salary-transfer cashback offers, and grace periods on first instalments. FAB sits mid-tier on headline rate but is often the practical choice for higher-value purchases, UAE nationals, and public-sector employees. For buyers at the AED 5 million-plus villa end of the market, FAB is frequently on the shortlist.
FAB mortgage calculator
The full Ambizent calculator — pre-set to FAB'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 FAB'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
Higher-value purchases (AED 5M+ villas), UAE nationals, public-sector employees, and buyers who value cashback, no AIP fee and grace periods over the last basis point of rate.
Look elsewhere if
You're a rate-maximiser on a smaller loan — a lower-headline lender may save more over the term.
FAB mortgage rates & products
FAB offers fixed rates across 1-, 2- and 3-year tenors, indicatively from around 3.95%–3.99% p.a. in 2026, with longer fixes around 4.19%–4.49%, then reverting to EIBOR + margin. Its stand-out features are commercial rather than purely rate-driven: no approval-in-principle fee, salary-transfer cashback promotions, grace periods on first instalments, and financing up to 85% for eligible first-time buyers. High loan ceilings make it well suited to premium properties.
FAB eligibility
As a national champion bank, FAB is strong for UAE nationals and public-sector employees, and lends to resident expats too. Standard Central Bank caps apply (85% national / 80% expat first home under AED 5M, 50% DBR, up to 25 years). Processing typically runs around 3–7 working days. FAB's large balance sheet supports high-value and complex transactions comfortably.
FAB mortgage: pros & cons
Strengths
- No approval-in-principle fee
- Salary-transfer cashback promotions
- Grace periods on first instalments
- Up to 85% financing for eligible first-time buyers
- High loan ceilings — strong for premium properties
Watch-outs
- Mid-tier on headline rate
- Best perks tied to salary transfer
- Islamic options more limited than dedicated Islamic banks
FAB vs comparing the whole market
FAB 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 FAB only if it genuinely wins.
FAB mortgage — frequently asked questions
What are FAB's mortgage rates in 2026?
First Abu Dhabi Bank's indicative fixed rates start around 3.95%–3.99% p.a. across 1–3 year tenors in 2026, with longer fixes around 4.19%–4.49%. FAB competes as much on commercial perks (no AIP fee, cashback, grace periods) as on headline rate. We confirm FAB's current best offer for your profile and compare it free against 20+ banks.
Does FAB offer cashback or fee waivers on mortgages?
FAB frequently runs salary-transfer cashback promotions, waives the approval-in-principle fee, and offers grace periods on first instalments. These commercial perks can outweigh a slightly higher headline rate for some buyers — we help you compare the true all-in cost.
Is FAB good for high-value or villa purchases?
Yes. As the UAE's largest bank, FAB has high loan ceilings and a strong appetite for premium and AED 5 million-plus purchases, making it a common choice for villa buyers and UAE nationals, including public-sector employees.
How much can I borrow with FAB?
Under Central Bank rules, FAB can finance up to 85% for eligible UAE national first-time buyers and 80% for expats (first property under AED 5M), subject to the 50% debt-burden ratio and up to 25-year terms. Use the calculator above for your figures, then we confirm exactly what FAB will offer.
How do I get FAB's best mortgage deal?
Send us your details and we'll confirm FAB's current best rate and promotions for your profile, then compare them free against 20+ other UAE banks. You only choose FAB if it's genuinely your sharpest option — and it costs you nothing.
Get FAB's best rate — free
Share your details and an advisor will confirm exactly what FAB will offer you — and compare it against 20+ UAE banks so you get the sharpest deal. No cost, no obligation.
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