Research snapshot, not a live rate feed. Published starting rates, product ranges and benchmark formulas are different measures. Confirm a current personalised offer with the bank.
5 banks shown
Bank groups refer to the bank’s base, not property eligibility. The property’s emirate, applicant profile and product affect the offer. This is a selected-bank guide, not a complete market ranking.
BANK / PRODUCTPUBLISHED PRICINGPERIOD / NEXT RATEREVIEW
FAB
First Abu Dhabi Bank
Elite Mortgage Conventional / Abu Dhabi-based
PUBLISHED OFFER3.99% p.a.
1–3 years fixed, with salary transfer and FAB credit card. Without salary transfer: 4.24%.
AFTER THE FIXED PERIOD
3-month EIBOR + 1.50% with salary transfer; + 1.89% without. Published floor: 1.99%.
Fresh mortgage customers only; existing customers’ terms can differ. The published five-year option is 4.19% with salary transfer and credit card, or 4.44% without salary transfer. The advertised processing-fee waiver has eligibility conditions and is valid until 31 December 2026. Confirm the full fee schedule and campaign conditions in writing.
ADIB
Abu Dhabi Islamic Bank
Buy a House / Home Finance Islamic / Abu Dhabi-based
ADVERTISED STARTING RATE3.99% p.a.
Profit rate fixed for two years on the linked product page. Subject to the bank’s offer.
AFTER THE FIXED PERIOD
Request the follow-on benchmark, margin, floor and reset frequency in your written quote.
The product page lists a minimum monthly salary of AED 10,000 for salary-transfer applicants and AED 15,000 without salary transfer. It advertises ADIB-paid property insurance for the full tenure and no early-settlement fee when selling the property. Other settlement situations and eligibility conditions need confirmation. ADIB pages can show different fixed-period campaigns; confirm the period in your offer.
ADCB
Abu Dhabi Commercial Bank
Standard Mortgage Conventional / Islamic options
PERSONALISED PRICINGRequest a quote
No numeric offer is reproduced from the reviewed Standard Mortgage page.
PRICING STRUCTURE
Hybrid: fixed initially, then relevant EIBOR + margin. Fully variable pricing is also described.
Published maximum financing: 85% for UAE nationals, 80% for expatriates and 50% for non-residents. Published maximum tenure: 25 years for nationals and expatriates; 15 years for non-residents. Actual limits depend on the property and profile. The page notes life and property insurance requirements, valuation costs and potentially applicable processing fees.
ENBD
Emirates NBD
Home Loans for Expatriates Conventional / Dubai-based
PUBLISHED VARIABLE FORMULA1M EIBOR + 1.99%
Annual reducing-balance formula. Current EIBOR and a written offer are needed to determine the rate.
IMPORTANT SOURCE CONTEXT
The page’s tentative 3.99% example references EIBOR on 4 November 2024; it is not presented here as today’s rate.
The expatriate page lists a minimum salary of AED 15,000, financing up to 80% of property value, and salaried or self-employed applicants. It advertises free partial settlement up to 20% of the loan amount, subject to terms. Rates and benefits depend on segment, eligibility and borrowing capacity. Ask for any fixed-period alternatives and the current fee schedule.
DIB
Dubai Islamic Bank
Home Finance / KFS Islamic / Dubai-based
PUBLISHED PRODUCT RANGE3.95–9.35% p.a.
KFS profit/rental range across products and profiles. This is not a specific introductory quote.
PRICING OPTIONS
KFS describes fixed, variable and introductory fixed options; introductory periods include three or five years.
The KFS describes EIBOR plus a fixed margin for variable pricing, with product-specific floor and maximum rates. It includes takaful and valuation-related costs. The separate first-time-buyer page lists up to 85% financing for UAE nationals and 80% for expatriates, and no required salary transfer. Confirm the exact product, contribution and costs for your case. View DIB’s Home Finance page ↗
No banks match these filters. Choose another bank group or financing type.
0 of 3 banks selected
Your reading shortlist
Put the terms side by side.
These are different product disclosures, not matched offers or a lowest-rate ranking. Request quotes using the same loan amount, term, profile and property.
Compare the full commitment
The smaller number isn’t the whole answer.
01
The fixed period
Compare how long the headline rate lasts and what follows it.
02
The full payment & costs
Request APR, fees, valuation and insurance or takaful costs on the same basis.
03
The conditions
Check salary transfer, credit-card requirements, property acceptance and early settlement.
04
The written offer
Confirm the quotation date, validity and final approval requirements before committing.
Keep the property’s emirate in view
UAE lending. Local property requirements.
A bank’s name or base does not determine the mortgage registration costs for your property.
DUBAI
Mortgage registration
DLD’s mortgage service lists 0.25% of the mortgage value, with additional title, administrative and service-partner charges where applicable. Request the total for your transaction and service channel.
Ask how the lender assesses income, existing debts, property valuation, contribution and purchase type. Published financing maxima are subject to regulatory and bank criteria.
No. This is a dated review of official published information. Pages can change or contain older examples. Your current personalised offer determines the available pricing and conditions.
Can I compare a profit rate with an interest rate?+
Compare the payment and total cost on consistent assumptions, while also understanding the different contractual structures. Review the provider’s Key Facts Statement and written terms.
Does selecting Abu Dhabi or Dubai banks limit where I can buy?+
The bank-group filter describes where the bank is based. Ask each lender whether it accepts your specific property, location and ownership arrangement.
Does Thumani represent all the banks listed?+
Listing official information does not imply a partnership, endorsement or access to a particular offer. Ask our team which arrangements it can assist with.
Take the comparison further
Bring the quotes. Let’s read the details.
Put your property, circumstances and financing priorities into the conversation.
