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RERA · Dubai, UAE+971 52 449 4428
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Legal Entities · Mortgage Banks

UAE mortgage banks at a glance.

Six of the UAE's major home-finance lenders — all regulated by the Central Bank of the UAE, which sets the same loan-to-value and debt limits for every bank.

80%Max LTV · expat first home ≤ AED 5M
25 yrsMax loan term
50%Max debt-to-income
The lenders

Six banks,
side by side.

Rates and products change often, so we don't list them here — talk to an advisor for today's offers.

ENBD
Emirates NBDDubai · since 2007

Formed by the merger of Emirates Bank and National Bank of Dubai

Islamic financeEmirates Islamic (sister bank)
Bank profile →Website
ADCB
Abu Dhabi Commercial BankAbu Dhabi · since 1985

One of the UAE's largest banks

Islamic financeADCB Islamic Banking
Bank profile →Website
FAB
First Abu Dhabi BankAbu Dhabi · since 2017

Formed by the merger of First Gulf Bank and National Bank of Abu Dhabi

Islamic financeFAB Islamic
Bank profile →Website
DIB
Dubai Islamic BankDubai · since 1975

The UAE's first Islamic bank

Islamic financeFully Sharia-compliant
Bank profile →Website
MSQ
MashreqDubai · since 1967

Founded as the Bank of Oman

Islamic financeMashreq Al Islami
Bank profile →Website
RAK
RAKBANKRas Al Khaimah · since 1976

The National Bank of Ras Al Khaimah

Islamic financeRAKBANK Amal
Bank profile →Website
Comparing offers

Look beyond the headline rate

  • Rate & fixed periodHow long the initial rate is fixed, and what it moves to afterwards (often EIBOR plus a margin).
  • FeesArrangement, valuation and processing fees — and whether any are waived.
  • Early settlementThe charge for paying off early or making partial payments.
  • InsuranceThe life and property insurance the bank requires, and its cost.
  • EligibilityMinimum salary, employer lists, self-employed and non-resident policies.
🧮
Mortgage calculatorMonthly payment, deposit and Dubai purchase costs
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Mortgage advisoryWe compare lenders and prepare your file
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Related entities
🏛️
DLDDubai Land Department
→🛡️
RERAReal Estate Regulatory Agency
→🗺️
DARIDARI — Abu Dhabi real estate platform
→
Sources

Last reviewed October 2026. Property Aster is not affiliated with these authorities — always confirm details on their official channels.

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