Dubai’s booming real estate scene attracts thousands of new buyers each year, and understanding mortgage rates in Dubai is key to making smart financial decisions. Whether you’re a first-time homebuyer or an international investor, knowing how these rates work can help you save big over time.
What Are the Current Mortgage Rates in Dubai?
As of 2025, average mortgage rates in Dubai range between:
3.49% – 5.25% for fixed-rate mortgages
EIBOR + 1.5% to 2.5% for variable-rate mortgages
Islamic home finance options are also available, offering Sharia-compliant alternatives
These figures vary depending on factors like your income, down payment, and credit history.
Key Factors Influencing Mortgage Rates Dubai
Several elements determine your mortgage rate:
EIBOR (Emirates Interbank Offered Rate)
Loan-to-Value (LTV) Ratio
Employment type (salaried vs self-employed)
Property type (residential vs investment)
Creditworthiness and banking relationship
Fixed vs Variable Mortgage Rates: Which Is Right for You?
| Mortgage Type | Best For | Highlights |
|---|---|---|
| Fixed Rate | Long-term planning | Stable monthly payments |
| Variable Rate | Short-term stays or flexibility | Lower initial rates but risk of future increases |
Who Can Apply for a Mortgage in Dubai?
Dubai offers mortgage options for:
UAE Nationals: Up to 80% financing
Expat Residents: Up to 75% financing
Non-Residents: Up to 50–60% financing from select banks
Documents typically required include passport, visa, Emirates ID, salary slips, and bank statements. UAE residents will also need a credit report from AECB.
Tips to Secure the Best Mortgage Rates in Dubai
Maintain a strong credit score
Provide a larger down payment if possible
Work with an experienced mortgage broker like Neon Mortgage
Compare multiple lenders’ offers before committing
Explore Islamic finance options for flexible, interest-free structures
Why Choose Neon Mortgage?
At Neon Mortgage, we’re more than brokers — we’re your mortgage partners. We offer:
Access to 25+ lenders across the UAE
Personalized mortgage matching
Help with paperwork and approvals
Faster, easier application process
Our team is dedicated to helping you get the best mortgage rates in Dubai with full transparency and support.
