UAE RATES as of 18 Jul 2026
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — 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% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — 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% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
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Emirates NBD Mortgage in the UAE — Rates, Eligibility & How to Apply

Emirates NBD is one of the UAE's largest and most established retail banks, offering a comprehensive range of home loan products for residents and non-residents purchasing property across Dubai and the wider UAE. YOUAE Mortgages is an independent, whole-of-market broker that arranges Emirates NBD mortgages on your behalf — comparing them against every other lender to ensure you secure the most competitive deal for your profile.

Emirates NBD mortgage products & features

Emirates NBD offers a broad suite of home finance solutions designed to meet the needs of salaried employees, self-employed borrowers, UAE nationals, and expatriate residents alike.

Fixed-rate mortgages provide payment certainty for an initial period — typically two or three years — before reverting to a variable rate linked to EIBOR (the Emirates Interbank Offered Rate). These are well suited to buyers who want predictable monthly payments during the early years of ownership.

Variable-rate mortgages track EIBOR plus a bank margin from day one, meaning your rate moves in line with broader market conditions. When rates fall, you benefit immediately; when they rise, your payment increases accordingly.

Key product features typically available through Emirates NBD include:

  • Loan-to-value (LTV) ratios of up to 80% for UAE residents on first-home purchases below AED 5 million (UAE Central Bank maximum)
  • Loan tenors of up to 25 years, subject to age at maturity
  • Partial early repayment and full settlement options (early settlement fees may apply — confirm current terms)
  • Salary transfer arrangements that can unlock preferential pricing
  • Top-up and equity-release facilities for existing Emirates NBD mortgage holders

For a broader view of all UAE lenders, visit our mortgage banks comparison page.

Emirates NBD mortgage rates

Emirates NBD home loan rates currently start from 3.99%. This indicative figure applies to well-qualified resident borrowers and serves as a benchmark — your actual rate will depend on factors including your loan amount, LTV ratio, employment type, income level, and credit history.

All variable rates are calculated as EIBOR plus the bank's fixed margin. As EIBOR moves with global and regional monetary policy, your monthly repayment can fluctuate over time. Fixed initial periods insulate you from this during the fixed term but do not eliminate rate risk for the remainder of the loan.

YOUAE will model the total cost across multiple lenders and rate structures so you can compare like for like before committing.

Eligibility

Emirates NBD home loans are available to both UAE residents and non-residents (subject to specific non-resident product terms). General eligibility guidance for UAE mortgages includes:

  • Salaried applicants: minimum monthly income of approximately AED 15,000, with a stable employment record (typically three to six months with the current employer)
  • Self-employed applicants: two years of audited or certified financial accounts and evidence of sustained business income
  • Non-residents: typically limited to a maximum 60% LTV; additional documentation requirements apply — see our non-resident mortgage guide
  • Age: mortgage must be repaid before age 65 (salaried) or 70 (self-employed) at most banks
  • Credit history: a clean UAE credit bureau (Al Etihad Credit Bureau) report strengthens your application

Required documents generally include passport, UAE residency visa, Emirates ID, salary certificate or employment contract, three to six months' bank statements, and property details (SPA or title deed).

Fees & costs

Beyond the mortgage itself, buyers in the UAE should budget for approximately 7% of the purchase price in transaction costs, paid in cash at completion:

  • Dubai Land Department (DLD) transfer fee: 4% of the purchase price
  • Real estate agency commission: typically 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

These costs are separate from your deposit and must be available in cleared funds. YOUAE will walk you through a full cost-of-purchase breakdown as part of your free advice session.

Why compare Emirates NBD through a broker

Emirates NBD is a strong lender with competitive pricing and broad product coverage — but it is one of around a dozen active mortgage lenders in the UAE, and the best deal for your specific profile may come from a different bank or a different rate structure within the same bank.

As a whole-of-market broker, YOUAE compares Emirates NBD head to head against every active UAE lender, including FAB, ADCB, Mashreq, HSBC, DIB, and others. We place straightforward applications and tougher cases alike — freelancers, non-residents, high-LTV buyers, and those with complex income structures. Because we are paid by lenders, our advice is free to you, and we manage your application from initial assessment through to mortgage offer.

How to apply with YOUAE

  1. Book a free consultation — speak to a YOUAE adviser about your purchase plans, budget, and timeline
  2. Receive a comparison — we model your options across all UAE lenders, including Emirates NBD, and present a clear recommendation
  3. Submit your application — we prepare and submit your documents to the chosen lender on your behalf
  4. Mortgage offer — we manage the valuation, any lender queries, and the legal process through to offer
  5. Complete your purchase — we coordinate with your solicitor and the DLD to get you to completion

Start today on our get started page or explore Dubai mortgage options for more context on the local market.

FAQs

Can I get an Emirates NBD mortgage as a non-UAE resident?

Yes. Emirates NBD offers home finance products for non-residents, though the maximum LTV is typically lower (around 60%) and documentation requirements are more extensive. YOUAE specialises in non-resident applications and can guide you through the process — see our non-resident mortgage page.

Does Emirates NBD offer offset or current account mortgages?

Emirates NBD periodically offers linked-account structures that can reduce the effective interest cost. Product availability changes, so speak to a YOUAE adviser for the current position and a comparison against other lenders offering similar features.

How long does an Emirates NBD mortgage application take?

From submitting a complete application to receiving a formal offer typically takes two to four weeks, depending on valuation scheduling and how quickly the lender's credit team processes your case. YOUAE actively manages your file to minimise delays.

Ready to take the next step? Book your free Emirates NBD mortgage pre-approval with YOUAE and receive a whole-of-market comparison at no cost to you.