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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HSBC Mortgage in the UAE — Rates, Eligibility & How to Apply

HSBC is one of the UAE's most recognised international banks, offering a broad range of home loan products suited to residents, non-residents, and high-net-worth buyers across Dubai and the wider Emirates. As a whole-of-market broker, YOUAE Mortgages arranges HSBC mortgages on your behalf — comparing it against every other lender in the market so you always move forward with confidence.

HSBC mortgage products & features

HSBC UAE offers a competitive product suite designed to accommodate a wide range of buyer profiles and property types:

  • Fixed-rate mortgages — lock in your repayment for an initial period (typically 1, 2, or 3 years), providing certainty over monthly outgoings before the loan rolls onto a variable rate.
  • Variable / EIBOR-linked mortgages — the rate moves with the Emirates Interbank Offered Rate, which can be advantageous when interest rates are declining.
  • Salary-transfer and non-salary-transfer options — HSBC can accommodate borrowers who do not wish to switch their salary account, though salary-transfer applicants may benefit from preferential pricing.
  • Remortgage / equity release — existing UAE homeowners can refinance onto an HSBC product to reduce their rate or release equity from an owned property.
  • Off-plan finance — HSBC supports selected developer projects, funding construction-stage purchases subject to project approval.

HSBC's international network is a particular advantage for expatriate buyers and global nationals who hold relationships with HSBC overseas — cross-border account history can sometimes support the application process.

HSBC mortgage rates

HSBC UAE home loan rates start from 3.94% (indicative, subject to change). The rate you are offered will depend on your loan-to-value ratio, employment type, salary level, nationality, chosen product, and prevailing EIBOR at the time of application. Variable-rate products are typically priced as EIBOR plus a fixed margin, so your ongoing repayment will move as market rates shift.

These figures are indicative starting points only. YOUAE will obtain a precise, personalised rate illustration from HSBC and compare it against equivalent offers from the full lender panel before making a recommendation.

Eligibility

HSBC mortgages in the UAE are available to both UAE residents and, subject to additional conditions, non-resident buyers. General eligibility benchmarks across the UAE market include:

  • Minimum monthly salary: approximately AED 15,000 for salaried applicants (some lenders set higher thresholds for certain products).
  • Employment status: salaried employees of established companies are typically easiest to place; self-employed applicants must usually provide at least two years of audited accounts and bank statements demonstrating consistent income.
  • Residency: UAE residents can borrow up to 80% LTV on a first property (subject to Central Bank regulations); non-residents are generally limited to 50% LTV.
  • Age: most lenders require the mortgage to be repaid before age 65 (salaried) or 70 (self-employed).
  • Documents: passport, UAE residency visa, Emirates ID, salary certificate or audited accounts, three to six months of bank statements, and property details.

YOUAE's advisers will assess your specific circumstances before approaching any lender, maximising approval chances.

Fees & costs

Beyond the loan itself, UAE property buyers should budget for upfront transaction costs of approximately 7% of the purchase price, paid in cash:

  • Dubai Land Department (DLD) transfer fee: 4% of the property value.
  • Estate agency commission: typically 2%.
  • Mortgage registration fee: 0.25% of the loan amount (payable to DLD).
  • Property valuation fee: AED 2,500–3,500 (approximate, varies by lender and property).
  • Bank arrangement / processing fees: vary by lender; sometimes waivable.

These costs are over and above your deposit and must be available in cleared funds at completion.

Why compare HSBC through a broker

Approaching HSBC directly means you see only one product range. Working with YOUAE Mortgages gives you a whole-of-market comparison across every major UAE lender simultaneously. Our advisers can:

  • Identify whether HSBC genuinely offers your best rate on the day, or whether another lender undercuts it.
  • Position more complex applications — self-employed income, multiple income sources, short UAE employment history — in the most favourable light.
  • Manage the entire process from documentation to final offer, saving you weeks of back-and-forth with bank branches.
  • Negotiate on fees and rate margins where possible.

There is no fee to you for our service; we are paid by the lender on completion.

How to apply with YOUAE

  1. Book a free consultation — speak with a YOUAE adviser online or in person. We gather your financial profile and property goals.
  2. Agreement in Principle — we submit to the most suitable lenders and secure you an AIP, typically within 3–5 working days.
  3. Full application — once you have an accepted offer on a property, we submit the full mortgage application and coordinate the valuation.
  4. Offer & completion — we guide you through the legal process and liaise with your solicitor or conveyancer to reach a smooth completion.

FAQs

Can I get an HSBC mortgage in the UAE as a non-resident?

Yes. HSBC UAE does consider non-resident applications, though the maximum loan-to-value is generally capped at 50% under UAE Central Bank guidelines. YOUAE can advise on the full range of non-resident mortgage options across the market.

How long does the HSBC mortgage process take?

From full document submission to receiving a formal mortgage offer typically takes two to four weeks, depending on valuation turnaround times and application complexity. An Agreement in Principle can usually be obtained more quickly.

Does HSBC require a salary transfer to its own account?

HSBC UAE can in some cases lend without a salary transfer, though salary-transfer applicants may receive preferential rate offers. Your YOUAE adviser will clarify the current policy when structuring your application.

Ready to find out if HSBC is your best option? Book a free mortgage pre-approval with YOUAE today — no obligation, no cost, whole-of-market advice from UAE specialists.