Abu Dhabi Commercial Bank (ADCB) is one of the UAE's leading retail banks and a well-regarded home finance provider, offering mortgage products suited to salaried employees, self-employed borrowers, and non-residents purchasing property across the UAE. YOUAE Mortgages is an independent, whole-of-market broker that arranges ADCB mortgages on your behalf — placing your application with the lender that best fits your profile after comparing every active option in the market.
ADCB mortgage products & features
ADCB offers a range of home loan structures to meet the varying needs of UAE property buyers, whether you are purchasing your first home, upgrading to a larger property, or investing in UAE real estate from abroad.
Fixed-rate mortgages provide a set rate for an initial term — commonly two or three years — before moving to a variable rate tied to EIBOR. During the fixed period your monthly payment is predictable, which many buyers find reassuring when managing household budgets and planning for other homeownership costs.
Variable-rate mortgages are priced as EIBOR plus a bank margin and can offer greater flexibility, including more lenient terms around early repayment during the variable phase. The trade-off is payment variability as EIBOR moves in response to monetary policy.
Typical features available through ADCB home finance include:
- LTV ratios of up to 80% for eligible UAE residents purchasing properties below AED 5 million (UAE Central Bank maximum)
- Loan tenors of up to 25 years, subject to borrower age at maturity
- Mortgage products available for both completed and certain off-plan properties from approved developers
- Partial and full early repayment facilities (subject to early settlement fees — your YOUAE adviser will confirm current terms)
- Preferential terms for ADCB salary-transfer customers
- Equity-release and top-up finance for qualifying ADCB mortgage holders
See how ADCB compares to other UAE lenders on our banks overview page.
ADCB mortgage rates
ADCB home loan rates currently start from 4.15%. This is an indicative rate for well-qualified resident applicants and represents the entry point of their pricing, not a guaranteed offer. The rate you are offered will depend on your loan-to-value ratio, income profile, employment type, credit history, and the specific product structure you choose.
Variable rates move with EIBOR, which tracks regional and global interest-rate trends. A rising EIBOR environment increases repayments on variable-rate products; a falling environment reduces them. Choosing a fixed initial period allows you to budget with certainty while EIBOR fluctuates, though it means you will not benefit from a falling rate during that term.
YOUAE models total repayment cost across all lenders and structures so you can compare ADCB's offering transparently against the wider market before making a decision.
Eligibility
ADCB mortgage products are open to UAE residents and non-residents, subject to product-specific criteria. The following general benchmarks apply across UAE mortgage lenders:
- Salaried applicants: a minimum monthly income of approximately AED 15,000, with a stable employment history (typically three to six months in the current role)
- Self-employed applicants: two years of certified or audited financial accounts, with evidence of sustained and consistent business income
- Non-residents: maximum LTV is generally capped at 60%; more extensive documentation is required — read our non-resident mortgage guide for a full overview
- Age: the mortgage must be repaid before approximately age 65 (salaried) or 70 (self-employed) at most UAE banks
- Credit profile: a clear Al Etihad Credit Bureau (AECB) report is important; any history of missed payments or defaults should be discussed with your YOUAE adviser before submission
Standard documentation typically includes your passport, UAE residency visa, Emirates ID, salary certificate or employment contract, three to six months of bank statements, and the property's sale and purchase agreement or title deed.
Fees & costs
In addition to your mortgage and deposit, UAE property buyers should budget for approximately 7% of the purchase price in transaction costs, paid in cash:
- Dubai Land Department (DLD) transfer fee: 4% of the purchase price
- Real estate agency commission: approximately 2%
- Property valuation fee: AED 2,500–3,500 (lender-appointed valuer)
- Mortgage registration fee: 0.25% of the loan amount (DLD)
- Bank arrangement / processing fee: varies by lender and product
If you are buying in Abu Dhabi, the land department transfer fee structure differs from Dubai's — your YOUAE adviser will provide a tailored cost breakdown specific to your purchase. These funds must be available in cleared cash at or before completion.
Why compare ADCB through a broker
ADCB has a strong reputation for customer service and a competitive product range, and it is a natural first port of call for many buyers, particularly those who already bank with ADCB. However, your optimal mortgage — measured by total cost over the full loan term — may sit with a different lender, or with a different rate structure within ADCB itself.
As a whole-of-market broker, YOUAE compares ADCB against every active UAE mortgage lender before recommending a course of action. We are experienced in placing applications that require more nuanced handling — freelancers, non-residents, buyers with complex income, or those seeking higher LTV — and we manage the entire process at no cost to you, with our fee paid by the lender on completion.
How to apply with YOUAE
- Book a free consultation — a YOUAE adviser assesses your purchase plans, income, and borrowing capacity
- Whole-of-market comparison — we compare ADCB against all UAE lenders and present a clear, costed recommendation
- Application preparation and submission — we compile your documents and submit the application to the lender on your behalf
- Valuation and mortgage offer — we manage the bank valuation, handle any lender queries, and track your file to formal offer
- Completion — we coordinate with the DLD and your legal representatives to complete the purchase
Start the process now on our get started page, or explore our Dubai mortgage hub for broader market guidance.
FAQs
Does ADCB offer mortgages for non-UAE nationals?
Yes. ADCB offers home finance to expatriate residents and, through specific products, to non-residents purchasing UAE property. LTV ratios for non-residents are typically lower than for residents, and additional documentation is required. YOUAE has extensive experience structuring non-resident applications — visit our non-resident mortgage guide to learn more.
Can I switch my existing ADCB mortgage to a better rate?
UAE mortgage holders can refinance with any lender, including ADCB (internal rate switch) or an alternative bank (external refinance). Refinancing carries its own costs — including early settlement fees and new mortgage registration charges — so YOUAE will model the break-even point before recommending a switch.
How does ADCB assess self-employed income?
Like most UAE lenders, ADCB typically requires two years of audited or certified financial accounts for self-employed and business-owner applicants. Income averaging and bank statement analysis also play a role. If your income structure is complex, YOUAE can identify which lenders have the most favourable underwriting approach for your specific situation.
Take the next step and book your free ADCB mortgage pre-approval with YOUAE — a whole-of-market comparison with no obligation and no cost to you.