Compare UAE mortgage lenders — apples to apples.
Indicative rates, max LTV (resident + non-resident), max tenure and minimum loan across six UAE banks. One form sends the quote request directly to the bank — no broker layer, no kickbacks.
Lowest rate
4.25%
indicative p.a.
Highest LTV
80%
resident first-property
Lenders compared
6
UAE-licensed only
Emirates NBD
Residents with a stable salary — fastest pre-approval and most flexible income docs.
Rate
4.39%
Max LTV
80% / 60%
res / non-res
Term
25y
max tenure
Min loan
AED 500K
Salary-transfer optional Online pre-approval 30-day rate lock🕌 Sharia available🌐 Non-resident eligible
ADCB
Non-resident buyers — strongest LTV for foreign-passport income and overseas property holdings.
Rate
4.49%
Max LTV
80% / 65%
res / non-res
Term
25y
max tenure
Min loan
AED 350K
Non-resident friendly Sharia-compliant available Off-plan up to 50% LTV🕌 Sharia available🌐 Non-resident eligible
DIB · Dubai Islamic Bank
Buyers seeking 100% Sharia-compliant finance — DIB's profit rates often beat conventional equivalents by 10–20 bps.
Rate
4.25%
Max LTV
80% / 60%
res / non-res
Term
25y
max tenure
Min loan
AED 500K
Pure Murabaha + Ijara First-time buyer programmes Profit cap on variable🕌 Sharia available
Mashreq
Smaller-ticket loans + self-employed buyers — Mashreq is the most accommodating on AED 250K – 750K bands.
Rate
4.55%
Max LTV
80% / 65%
res / non-res
Term
25y
max tenure
Min loan
AED 250K
Low-loan friendly (AED 250K+) Self-employed accepted Islamic option🕌 Sharia available🌐 Non-resident eligible
First Abu Dhabi Bank
High-salary residents + Abu Dhabi buyers — FAB's wealth-tier rate sheet typically beats the market on > AED 5M loans.
Rate
4.35%
Max LTV
80% / 60%
res / non-res
Term
25y
max tenure
Min loan
AED 500K
Best rates for high-net-worth Abu Dhabi inventory priority 10-yr fixed available
HSBC UAE
Expat professionals on global-mobility packages — HSBC accepts international salary slips and overseas credit history.
Rate
4.79%
Max LTV
75% / 65%
res / non-res
Term
25y
max tenure
Min loan
AED 1M
Global Mobility programme Multi-currency salary accepted International credit history🌐 Non-resident eligible
No referral fees baked into rates. Propora earns a flat lead fee when a quote request results in a funded mortgage — it doesn't change what the lender quotes you. Rates above are indicative; the binding rate comes from the lender after credit review.
Mortgage calculatorProtect your new home
UAE mortgages require home insurance against fire and structural damage. Same one-form, no-broker model — quote requests go directly to the insurer.
AXA Gulf
Building + contents cover for owner-occupiers and landlords across all emirates.
From
AED 1,200/yr
Max cover
AED 50M
Cover type
Conventional
Buildings + contents Tenant liability optional Online claims🌐 Non-resident eligible
Sukoon Insurance
Comprehensive UAE-licensed home cover with strong landlord add-ons.
From
AED 950/yr
Max cover
AED 30M
Cover type
Conventional
Buildings + contents Landlord rent-loss cover 24/7 emergency🌐 Non-resident eligible
Salama
UAE's largest Sharia-compliant home takaful — covers building, contents, and liability.
From
AED 800/yr
Max cover
AED 25M
Cover type
Takaful + conv.
Sharia-compliant Contents-only available Family liability🕌 Takaful available
Orient Insurance
Premium home cover with high sum-insured ceilings — popular with villa and penthouse owners.
From
AED 1,500/yr
Max cover
AED 100M
Cover type
Conventional
High-value cover Jewellery + art add-on Worldwide cover🌐 Non-resident eligible