Discover the Best Mortgage Rates in UAE with Money Maestro

Finding the right mortgage in the UAE can feel overwhelming, but with Money Maestro, your trusted mortgage broker in Dubai and across the UAE, it doesn’t have to be. We specialize in simplifying the process of securing the best mortgage rates, so you can focus on finding your dream home.

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Our Best Mortgage Rates Updated Daily

Mortgage Rates for Employed Resident
Employed Resident

3.89% onwards

Fixed for 3 years
Thereafter

1.5% + 3M EIBOR with a minimum floor rate of 1.99%
Property Insurance - 0.0525% p.a.
Life Insurance - 0.0112% p.m.

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Mortgage Rates for Employed Non Resident
Employed Non-Resident

3.99% onwards

Fixed for 3 years
Thereafter

1.99% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.01223% p.m.

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Mortgage Rates for Employed Resident
Self Employed Resident

3.89% onwards

Fixed for 3 years
Thereafter

1.5% + 3M EIBOR with a minimum floor rate of 2.75%
Property Insurance - 0.04% p.a.
Life Insurance - 0.01167% p. m.

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Mortgage Rates for Self Employed Non Resident
Self Employed Non-Resident

4.19% onwards

Fixed for 3 years
Thereafter

1.99% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m.

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Last Updated on:

13/7/2025

Current UAE Mortgage Rates

Mortgage rates in the UAE are influenced by several factors, including the Central Bank’s base rate and market conditions. Here’s what you should know:

Home Loan Interest Rate in Dubai

Typically starts from 3.75%, depending on the lender and the type of mortgage.

Mortgage for Non UAE resident

Non-Resident mortgage rates may be slightly higher but often come with tailored options.

Best Mortgage Rates in UAE

Money Maestro works with top mortgage lenders to find best suitable mortgage option with rates as low as possible for our clients.

Compare Home Loan Rates in Dubai

Why Compare Home Loan Rates in Dubai and the UAE?

Home loan rates in Dubai and the UAE vary significantly between lenders. Understanding these differences is essential to securing a deal that suits your financial goals. Here are a few reasons to compare rates:

  • Save Money: Lower mortgage interest rates in Dubai mean reduced monthly payments and long-term savings.
  • Flexible Terms: Comparing lenders ensures you get terms that fit your needs, including tenure and repayment options.
  • Custom Solutions for Expats: Home loans in UAE for expats often come with unique conditions, making comparison even more crucial.

Loan Value: AED 99000.00

Monthly Payment: AED 8254.47

Mortgage Calculator in Dubai & UAE – Make Smarter Home Loan Decisions

Make informed decisions

Buying a property in Dubai or anywhere in the UAE is a significant financial commitment. Whether you’re a UAE national, resident, or a non-resident investor, understanding your financial capacity is crucial before stepping into the real estate market. That’s where Money Maestro’s mortgage calculator becomes your ultimate companion. Our free and reliable tool empowers you to plan your home purchase smartly by estimating your monthly mortgage payments and overall costs.

With just a few inputs, our home loan calculator allows you to determine the best loan structure for your needs. It helps you explore different down payment options, loan tenures, and interest rates to arrive at a comfortable monthly repayment plan.

Get started today

Factors Affecting Mortgage Rates in Dubai

Several elements influence the mortgage interest rates in Dubai, including:

Loan-to-Value Ratio (LTV): A higher down payment often leads to lower rates.
Type of Property: Residential mortgages typically have lower rates compared to commercial properties.
Applicant’s Profile: Your credit score, income level, and employment history impact the rates you’re offered.
Market Trends: Economic conditions in the UAE can cause fluctuations in mortgage lenders’ rates.

Home Loans in UAE for Expats

If you’re an expat looking to buy property in Dubai or elsewhere in the UAE, Money Maestro can help you navigate the market. With specialized expat mortgage Dubai services, we ensure you get:

Competitive rates tailored to your needs.
Clear guidance on documentation and eligibility.
Support in understanding local laws and policies.
Why Choose Money Maestro

Why Choose Money Maestro?

At Money Maestro, we bring unparalleled expertise and a client-first approach to mortgage brokerage. Here’s why we’re your ideal partner:

  • Access to the Best Mortgage Rates Dubai Offers: We work with a network of leading lenders to secure the best deals.
  • Tailored Advice: Whether you’re a resident or an expat, we offer personalized solutions.
  • End-to-End Support: From application to approval, we guide you through every step.
  • Transparency: No hidden fees or surprises—just honest, straightforward advice.

Tips for Finding the Best Home Loan Rates in UAE

Several elements influence the mortgage interest rates in Dubai, including:

Start Early: Researching mortgage rates ahead of time gives you a head start.
Improve Your Credit Score: A higher score often results in better offers.
Compare Multiple Lenders: Don’t settle for the first offer; let Money Maestro help you find the best deal.
Understand Fixed vs. Variable Rates: Fixed rates offer stability, while variable rates can provide savings if market rates decrease.

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