UAE RATES as of 18 Jul 2026
UAE Base Rate 3.65% 1M EIBOR 3.62% 3M EIBOR 3.69% 6M EIBOR 3.81% 12M EIBOR 3.94% Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10%
UAE Base Rate 3.65% 1M EIBOR 3.62% 3M EIBOR 3.69% 6M EIBOR 3.81% 12M EIBOR 3.94% Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10%
UAE Mortgage Brokerage

The precise way to finance a home in the UAE.

Residential, non-resident, commercial and Islamic mortgages — compared across every major UAE lender and arranged end to end. You get the right rate; we handle the rest.

G 5.0 on Google
  • Every major UAE lender
  • Non-resident specialists
  • No-obligation advice
As featured in
Yahoo Finance Khaleej Times Gulf News
Trusted across the UAE

Experience and numbers that mean something.

15+
Years of experience

Decades of combined UAE mortgage advisory across our team.

150+
5-star Google reviews

Rated 5.0 by homebuyers for honest, consistent guidance.

1000+
Applications placed

Guided from first consultation to final disbursement.

20+
Bank partners

A whole-of-market panel of UAE lenders behind every case.

What we arrange

One broker, every kind of UAE mortgage.

Why YOUAE

Independent advice that works for you.

01

We get tough loans approved

Self-employed, irregular income, or turned down before? We place cases other brokers can’t.

02

Whole-of-market access

Every major UAE bank plus specialist lenders, compared side by side — not one bank’s shelf.

03

Non-resident specialists

Finance UAE property from abroad with minimal paperwork and a clear, remote-friendly process.

04

One dedicated advisor

A single point of contact from your first call through to your keys — no call-centre handoffs.

05

We act in your interest

Independent advice. We’re paid to find your best outcome, not to sell a particular lender.

06

A managed, faster process

Pre-approval, valuation and paperwork handled for you, so approvals move quickly.

How it works

From first question to front-door keys.

  1. 01

    Understand your goal

    A short conversation about the property, your income and your residency status.

  2. 02

    Assess your borrowing

    We calculate what you can realistically borrow and exactly what it will cost.

  3. 03

    Find the right loan

    We compare every major UAE bank and bring you the sharpest fit — not just the lowest headline rate.

  4. 04

    Secure your approval

    We manage the paperwork, valuation and lender all the way to your keys.

Client stories

Rated 5.0 by homebuyers across the UAE.

Perfect support and arrangements during the deal, and seamless coordination between all parties. A genuinely great experience with Yash and the team.
Liza BelovaGoogle review
YOUAE Mortgages was a great choice. My agent was extremely helpful and fast, and the whole process was very smooth. Highly recommend.
Andreas ToscanoGoogle review
Yash helped us buy our first home and we are so grateful for the prompt service and professional attitude. Would definitely recommend.
Almas AliGoogle review
They found me the best product based on my situation. Highly experienced and I would strongly recommend the company.
Bruna LopesGoogle review
From the very beginning everything was crystal clear — the fastest approvals and the best mortgage suggestions I could have asked for.
Vinod JaiswalGoogle review
My credit history was one of many hurdles, but the team was amazing throughout. “Thank you” is an absolute understatement.
Shwetank MohaniaGoogle review
Perfect support and arrangements during the deal, and seamless coordination between all parties. A genuinely great experience with Yash and the team.
Liza BelovaGoogle review
YOUAE Mortgages was a great choice. My agent was extremely helpful and fast, and the whole process was very smooth. Highly recommend.
Andreas ToscanoGoogle review
Yash helped us buy our first home and we are so grateful for the prompt service and professional attitude. Would definitely recommend.
Almas AliGoogle review
They found me the best product based on my situation. Highly experienced and I would strongly recommend the company.
Bruna LopesGoogle review
From the very beginning everything was crystal clear — the fastest approvals and the best mortgage suggestions I could have asked for.
Vinod JaiswalGoogle review
My credit history was one of many hurdles, but the team was amazing throughout. “Thank you” is an absolute understatement.
Shwetank MohaniaGoogle review
Meet the expert

Founded and led by Yash Trivedi.

Yash founded YOUAE Mortgages to give UAE buyers practical, transparent guidance built on deep knowledge of local banking policies and lending criteria. Known for an honest, client-first approach, he works closely with leading UAE banks to keep clients ahead of market and regulatory changes — and to make confident, well-informed decisions simple.

Get expert mortgage advice

Speak to a UAE mortgage specialist.

Free, no-obligation advice. We compare every major lender and manage the process end to end.