Compare Dubai Mortgage Banks
8 leading UAE banks side-by-side. Compare interest rates, LTV caps, processing fees, pre-approval timelines, and Islamic options. Filter by your profile.
| Bank | Rate Range | Max LTV | Processing Fee | Pre-Approval | Islamic | |
|---|---|---|---|---|---|---|
| Emirates NBD | 4.25% – 5.85% | 80% | AED 2,500 | 5 days | Yes | View → |
| ADCB (Abu Dhabi Commercial Bank) | 4.35% – 5.95% | 80% | AED 2,000 | 7 days | Yes | View → |
| Mashreq Bank | 4.45% – 6% | 75% | AED 1,500 | 6 days | Yes | View → |
| HSBC UAE | 4.55% – 6.05% | 70% | AED 3,000 | 8 days | No | View → |
| DIB (Dubai Islamic Bank) | 4.35% – 5.75% | 80% | AED 2,000 | 6 days | Yes | View → |
| Standard Chartered UAE | 4.5% – 6.1% | 65% | AED 3,500 | 10 days | Yes | View → |
| FAB (First Abu Dhabi Bank) | 4.4% – 5.9% | 78% | AED 2,200 | 6 days | Yes | View → |
| Noor Bank (Emirates NBD Islamic) | 4.3% – 5.7% | 80% | AED 2,000 | 5 days | Yes | View → |
How to Choose a Lender
Rate Shoppers
Best picks: Emirates NBD, DIB, Noor Bank. All offer rates starting at 4.25–4.35%. Compare your offer over 3-, 5- and 10-year terms.
Speed Matters
Fastest approval: Emirates NBD (5 days), DIB (6 days). Apply online to get pre-approval in minutes.
Islamic Finance
Best options: DIB, Noor Bank, ADCB. Pure Islamic products (Ijara) or merged conventional-Islamic portfolios. Rates competitive with conventional.
Non-Residents
Best fit: HSBC, Standard Chartered, Emirates NBD. Limited appetite; expect 50–60% LTV and +1% rate premium.
Budget-Conscious
Lowest fees: Mashreq (AED 1,500 processing). ADCB and DIB at AED 2,000. Emirates NBD charges AED 2,500+.
Flexible Payment Plans
Best flexibility: Emirates NBD, FAB. Offer payment holiday options and restructuring for hardship.
Bank Profiles
Emirates NBD
UAE's largest bank by assets with comprehensive mortgage solutions for residents and non-residents.
ADCB (Abu Dhabi Commercial Bank)
Major UAE bank offering competitive mortgage rates with strong support for both UAE residents and expats.
Mashreq Bank
Long-established bank with strong mortgage offerings and innovative digital solutions.
HSBC UAE
Global bank serving expatriate and high-net-worth clients with premium mortgage services.
DIB (Dubai Islamic Bank)
Leading Islamic bank with strong Sharia-compliant mortgage solutions and competitive rates.
Standard Chartered UAE
Premium international bank focused on affluent and corporate clients.
FAB (First Abu Dhabi Bank)
Merger of FGB and NBF creating UAE's second-largest bank with competitive mortgage products.
Noor Bank (Emirates NBD Islamic)
Emirates NBD's dedicated Islamic banking subsidiary offering comprehensive Sharia-compliant mortgages.
FAQs: Choosing a Lender
Should I apply to multiple banks?
Yes. Multiple applications within 30 days count as a single inquiry. Get pre-approvals from 3–5 banks to compare rates before committing.
What's the difference between pre-approval and full approval?
Pre-approval is conditional on a property appraisal and final employment verification. Full approval locks in your rate and terms after the property is under contract and passes the lender's valuation.
Can I negotiate the mortgage rate?
Yes, especially for loans over AED 2M or if you have strong credit history, large down payment, or multiple products with the bank. Don't accept the first offer.
What if I'm self-employed or have irregular income?
Expect stricter scrutiny. Most banks require 2–3 years of audited financials and may cap LTV at 60–70%. Mashreq and FAB are more flexible.