Mortgage rates in Dubai refer to the interest charged by banks or lenders when you take out a home loan. These rates directly impact how much you’ll pay monthly and over the lifetime of the loan. Whether you're buying your first home or investing in real estate, knowing the current mortgage trends in Dubai is essential.
Current Mortgage Rates in Dubai (2025 Overview)
As of mid-2025, mortgage rates in Dubai generally fall into the following ranges:
Fixed Rates: 3.99% – 5.25%
Variable Rates (linked to EIBOR): Starting from 3.45%
Islamic Mortgage Rates: Profit rates between 4.1% – 5.6%
Each bank offers unique deals based on your eligibility, salary, and loan size. Partnering with a trusted broker like Neon Mortgage ensures you're comparing the best offers in the market.
Factors That Impact Mortgage Rates in Dubai
Several elements influence the rate you’ll receive:
Your income and job stability
Credit history and score
Down payment amount (typically 15–20%)
Property location and type
Loan tenure (shorter terms = lower interest)
Are You an Expat? Here's What You Need to Know
Dubai welcomes expat homebuyers, but the process is slightly different:
Minimum 20% down payment for expats
Required documents include passport, visa, salary certificate, and bank statements
Mortgage options available for salaried and self-employed individuals
Loan tenures can go up to 25 years
At Neon Mortgage, we simplify this process and find the best mortgage rates Dubai has for expats.
Tips to Get the Lowest Mortgage Rates in Dubai
Maintain a strong credit profile
Compare rates from multiple banks
Get a pre-approval to strengthen your offer
Work with a mortgage broker to save time and money
Why Choose Neon Mortgage?
We’re more than a mortgage broker—we’re your home-financing partner. Here's how we help:
Access to exclusive bank rates
End-to-end mortgage support
Tailored advice for residents and expats
Fast approvals and minimal paperwork
Final Thoughts
Getting the right home loan starts with understanding mortgage rates in Dubai. With expert advice and competitive offers, you can confidently take the next step toward property ownership. Whether you're buying your dream villa or a high-rise apartment, let Neon Mortgage be your guide.
