The UAE mortgage business is very competitive in 2025. The global headwinds are not causing the interest rates to increase. The deal on mortgages provided by mortgage lenders is as low as in the low-3 range, and both fixed and adjustable options are being offered. The selection of the appropriate bank is important, whether you are an expat, a first-time purchaser, or a refinancing. You ought to make comparisons in terms of rates, eligibility and mortgage structures.
This guide will identify 10 of the best mortgage providers in the UAE, their rates, features and requirements in 2025.
Top 10 Mortgage Providers in the UAE
These are the top ten mortgage providers in the UAE and their rates, features and eligibility.
1. Emirates NBD
Emirates NBD is a multinational bank that is among the largest and most reputable banks in the UAE. It has extensive home-loan plans with regard to the UAE nationals and foreigners. It offers competitive and flexible repayment with its good local presence.
Rates: EIBOR + margin (minus balance), about 3.75% fixed in 3 years.
Features:
- Partial early and flexible repayment.
- Structures of competitive valuation and processing fees.
- Provides traditional and Islamic financing services.
Requirements:
- Minimum salary is usually about AED 15,000+ every month for expats or nationals of the UAE.
- Regular paperwork: passport, Emirates ID, bank statements, and payrolls.
2. ADCB (Abu Dhabi Commercial Bank)
ADCB is one of the largest banks in Abu Dhabi, possessing an extensive mortgage portfolio. It provides conventional and Islamic home-finance products. Their fixed-variable type of mortgage is among the common ones that are liked by those buyers who seek confidence initially and flexibility later.
Rates: Starting at 3.69% fixed or hybrid plans.
Features:
- Home loan products are based on being fixed over a couple of years and then converted into a variable.
- There are both conventional and Islamic home financing.
- LTV (Loan-to-Value) to the extent of 80-85% with most clients.
Requirements:
- AED 12,000 salary is usually required.
- Regular paperwork: ID, visa, evidence of income, bank statements.
3. First Abu Dhabi Bank (FAB)
FAB is a large bank, in terms of assets, and a solid competitor in the mortgage market of the UAE. It offers mortgages with high values, as well as green financing. Their long-term mortgages are best suited to buyers who want a reduced monthly payment.
Rates: 3.95% on fixed or hybrid.
Features:
- It has a high maximum loan, and thus will suit large-property buyers.
- Currently, there exist some green or sustainable home financing options.
- Long tenure options.
Requirements:
- Depending on the offer, the salary requirement is AED 18,000.
- Regular paperwork: ID, salary slips, employment evidence.
4. HSBC
HSBC is a multinational bank that transfers its overseas competencies into the mortgage sector of the UAE. It is especially applicable to the expatriates who already bank internationally. It offers predetermined payments in its mortgages.
Rates: 3-year fixed approximately = 3.99%
Features:
- Fits expats well, particularly those who have a global banking relationship.
- Open-market variable construction.
- International servicing and flexible repayment.
Requirements:
- Increased income profiles were more favoured.
- Provided with fixed-rate options, the salary requirement is AED 20,000.
5. Dubai Islamic Bank (DIB)
DIB is the leading Islamic bank in the UAE that offers Sharia-compliant home financing in such arrangements as Murabaha and Ijarah. It serves customers who would enjoy ethical and interest-free financing. It has long tenure options, which are appealing to homebuyers.
Rates: The profit rate begins at 3.65% on variable.
Features:
- No interest structure of Islamic financing.
- Long repayment tenure.
- Sharia-compliant ethical financing.
Requirements:
- Proof of consistent income. (AED 10,000)
- Regular paperwork: Standard KYC documentation, residency visa, and ID.
- Down payment as per the guidelines of the Central Bank.
6. Noor Bank
Noor Bank provides Murabaha, which is a special home-finance product according to the principles of an Islamic bank. It is also renowned for having easy, consumer-friendly, Islamic loan arrangements. It is used by both expatriates and UAE nationals in purchasing a property.
Rates: 3.70% on variable Murabaha.
Features:
- Sharia-compliant Murabaha property purchase product.
- Variable compensation systems.
- Applicable to the UAE nationals as well as the expatriates.
Requirements:
- Minimum income requirements (12,000).
- Regular paperwork: Emirates ID, a residency visa, and evidence of income.
7. Abu Dhabi Islamic Bank (ADIB)
ADIB has fixed and variable rate Islamic home financing. It has Murabaha and Ijarah plans aimed at interest-averse buyers. The bank serves various categories of customers, such as first-time home buyers.
Rates: Charged at an approximate rate of 3.99% on a 3-year fixed.
Features:
- Available with Murabaha or Ijarah structures.
- Well-balanced fixed and variable rate Islamic products.
- Competitive LTV.
Requirements:
- Normal Islamic financing documentation.
- Regular paperwork: Income or salary evidence, ID, visa, and job evidence.
8. Mashreq Bank
Mashreq has been credited with its first-time buyer programme, where access to mortgages is made at competitive rates. It also possesses excellent online onboarding. Mashreq especially targets younger consumers or salaried workers.
Rates: The rates are usually 3.79% on a 2-year fixed.
Features:
- The First-Time Home Buyer (FTHB) programme: low margins and discounts.
- Online usage and quick acceptance.
- Extended loan repayment and tenure.
Requirements:
- Should be a first-time buyer of the programme benefits.
- Regular paperwork: Evidence of earnings, home, and bank records. (Salary 15,000)
- There are offers which need a salary transfer.
9. Standard Chartered Bank UAE
Standard Chartered has well-organised mortgages to the advantage of clients with high credit and salary-based customers. It offers highly competitive rates of short fixed tenure. Perfect for customers who desire stability rather than going back to a variable rate.
Rates: 4.10% for a 5-year fixed.
Features:
- Extremely competitive fixed-rate period.
- Global banking presence.
- Clearly recorded reversion to EIBOR + margin upon expiration of fixed period.
Requirements:
- Minimum monthly income (20,000).
- Regular paperwork: ID, address proof, salary, bank statement.
10. RAK BANK
RAKBANK offers low-cost and viable mortgage plans, particularly to salaried people. Its 3-year fixed plans are stable with the relative ease of credit underwriting.
Rates: Fixed-reducing rate of approximately 3.85% on 3 3-year fixed plan.
Features:
- Permanent and adjustable mortgage plans.
- Benefits both self-employed clients and salaried clients.
Requirements:
- Minimum wage condition (varying, usually AED 12,000).
- Regular paperwork: ID, residency visa, and bank statements.
Closing In
The UAE mortgage market in 2025 has great prospects for investment by both expats and locals. There are various competitive avenues to owning a home with fixed-rate dealings in the low to mid-3 per cent range and good Islamic options. Nevertheless, the decision is right depending on your own profile: your income, the amount of down-payment that you can make and whether you would like to choose a fixed or a variable structure.
Always compare deals, and see through all costs and rate-lock availability. A mortgage broker/a consultant can assist you in going through these options and get the best deal. Prudent comparison will help you secure a home financing strategy that will suit your long-term objectives.
Explore More About Dubai
