As of June 2026, UAE mortgage rates are: • Fixed rate (2-year): from approximately 3.79% per year • Fixed rate (3-year): from approximately 3.85–3.95% per year • Variable rate (EIBOR-linked): 3-month EIBOR (currently ~3.75%) + bank margin of 1.5–2.5% The mortgage market entered a stabilisation phase in mid-2026 after rate cuts in late 2025. Experts recommend locking in a 2–3 year fixed rate now rather than waiting.