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

Invest Bank, headquartered in Sharjah, offers conventional home finance solutions that extend across the UAE, serving both residents and selected non-resident buyers. YOUAE Mortgages works directly with Invest Bank to arrange your application from pre-approval through to final drawdown — at no cost to you.

Invest Bank mortgage products & features

Invest Bank provides a range of residential mortgage products suited to buyers purchasing in the UAE's established and emerging property markets. Key product features available through the bank's conventional lending arm include:

  • Fixed-rate introductory periods — typically one, two, or three years of rate certainty before the mortgage reverts to a variable rate, helping buyers plan their finances with confidence in the early years of ownership.
  • Variable-rate home loans — pegged to EIBOR (Emirates Interbank Offered Rate) and adjusted periodically, suitable for buyers comfortable with market-linked repayments.
  • Ready property finance — for completed units in the UAE, including apartments and villas in freehold zones.
  • Off-plan mortgage commitments — Invest Bank can, subject to approval, issue finance commitments for qualifying off-plan projects, with drawdown linked to construction milestones.
  • Salary transfer flexibility — Invest Bank is known for working with applicants who bank with other institutions, though salary-transfer arrangements can influence the rate offered.

Loan tenors generally extend up to 25 years, subject to the applicant's age at the end of the term (typically capped at 65 for salaried employees and 70 for self-employed borrowers).

Invest Bank mortgage rates

Invest Bank's indicative mortgage rates start from 4.28%. This is a guide figure only — your actual rate will depend on your loan-to-value (LTV) ratio, employment type, income level, chosen product, and prevailing EIBOR at the time of offer. Variable rates move with EIBOR, meaning they can rise or fall over the life of your loan. YOUAE will obtain a personalised rate illustration from Invest Bank alongside quotes from every other lender in the market so you can make a genuinely informed comparison.

Eligibility

Invest Bank's mortgage products are available to UAE residents and, in certain circumstances, non-UAE resident buyers purchasing in designated freehold zones. General eligibility benchmarks across the UAE market include:

  • Minimum monthly income — typically around AED 15,000, though some products or higher LTV tiers may require more.
  • Employment status — salaried applicants with a confirmed UAE contract and self-employed applicants (usually with two or more years of audited financials) are both considered.
  • Non-residents — non-resident buyers should expect a lower maximum LTV (often up to 50%) and may need to demonstrate stronger financial profiles; see our non-resident mortgages guide for more detail.
  • Documents — passport and visa copies, Emirates ID, recent payslips (typically three months), bank statements (six months), and property details will be required as a minimum.

YOUAE will assess your profile and identify which lenders — including Invest Bank — represent the best fit before you submit a single application.

Fees & costs

When buying property in Dubai, buyers should budget for purchase costs of approximately 7% of the property price on top of the purchase price itself:

  • Dubai Land Department (DLD) transfer fee — 4% of the purchase price, paid in cash at the time of transfer.
  • Estate agency fee — typically 2% of the purchase price.
  • Mortgage registration fee — 0.25% of the loan amount, registered with the DLD.
  • Property valuation — usually AED 2,500–3,500, required by the lender.
  • Bank arrangement fee — typically 0.5–1% of the loan amount, though this varies by product.

Fees differ in other emirates (Abu Dhabi, Sharjah, and so on), where Invest Bank's Sharjah base may carry particular relevance. YOUAE will provide a full cost illustration before you commit to anything.

Why compare Invest Bank through a broker

Invest Bank is a regional lender that is not as widely marketed as the UAE's largest banks, which means many buyers miss it entirely when shopping for a mortgage. As a whole-of-market broker, YOUAE compares Invest Bank's products against every other lender active in the UAE — ensuring you receive the most competitive offer available for your specific profile. We also handle trickier cases: self-employed applicants, non-residents, buyers with unconventional income structures, or those purchasing in emerging markets. Because we submit applications regularly, our relationships with lenders' credit teams mean your case is understood before it arrives on a desk.

How to apply with YOUAE

  1. Book a free consultation — speak with a YOUAE adviser who will review your income, deposit, and property plans.
  2. Receive your comparison — we compare Invest Bank and every other UAE lender and present you with clear options.
  3. Pre-approval — we submit your documents to the preferred lender(s) and obtain a formal pre-approval letter, typically valid for 60–90 days.
  4. Property selection — use your pre-approval to negotiate with confidence.
  5. Final offer & completion — we manage the lender, the DLD, and the conveyancing process through to key handover.

Get started with your mortgage today — it's free, and there's no obligation.

FAQs

Is Invest Bank a good option for buying property outside Sharjah?

Yes. Although Invest Bank is headquartered in Sharjah, it provides mortgage finance for eligible properties across the UAE, including Dubai freehold developments. YOUAE will confirm whether your chosen property and emirate qualify when we assess your application.

Can I get an Invest Bank mortgage if I am self-employed?

Self-employed applicants are generally considered by Invest Bank, provided you can demonstrate at least two years of trading history and supply audited financial statements. YOUAE works with self-employed buyers regularly and knows how to present your income profile to maximise approval chances.

How long does the Invest Bank mortgage process take?

Pre-approval typically takes five to ten business days once documents are submitted. Full offer and transfer can take four to eight weeks depending on the property type and whether there are any title or developer NOC requirements. YOUAE manages the timeline on your behalf to keep things on track.

Ready to see how Invest Bank compares to the rest of the market? Book your free pre-approval consultation with YOUAE and receive a whole-of-market comparison with no obligation.