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%
800 MORTGAGES
TOLL FREE 800 MORTGAGES Get pre-approved
Buyout calculator

Mortgage buyout savings calculator

On a high rate from a couple of years ago? See what switching your mortgage to a lower rate could save — after the switching costs — and when you’d break even.

* Switching cost = early-settlement fee (capped at 1% of the balance or AED 10,000) plus 0.25% re-registration. Confirm current figures with us.

Outstanding balance
AED
Current rate
%
New rate
%
Your age
yrs
Remaining term
Likely worth switching
Net saving over the termAED 183,965
Monthly saving
AED 821
Total saving (gross)
AED 196,965
Switching cost*
AED 13,000
Break-even
16 mo
Explore a buyout →

Mortgage buyout savings calculator — FAQs

Is a mortgage buyout worth it?

It’s worth it when the saving over your remaining term outweighs the switching costs. This calculator shows the net saving and your break-even point in months.

What are the costs of switching?

An early-settlement fee from your current bank (capped at 1% of the balance or AED 10,000, whichever is lower) and about 0.25% to re-register the mortgage, plus valuation and arrangement fees.

Can I release equity when I switch?

Yes — if your property has appreciated, many lenders let you increase the loan and take the difference as cash. See our buyout guide.

Numbers looking good? Let’s make it real.

Free, no-obligation advice. We compare every UAE lender and confirm your exact figures.

Get pre-approved