In October 2026, fixed mortgage rates for salaried UAE residents start at about 3.99 percent, usually fixed for two to three years.
- Salaried, salary transfer: 3.99% – 4.69% fixed for 2–3 years
- Salaried, no salary transfer: 4.15% – 4.69%
- Self-employed: 4.35% – 5.49%
- Non-resident: 4.99% – 5.99%
- Variable: EIBOR + 1.25% to 1.79%
After the fixed period, rates usually move to EIBOR plus a bank margin. Your rate depends on income, salary transfer, loan size and property.
Updated monthly by Neon Mortgage from lender pricing. Subject to bank approval.
Related: Fixed or variable?
