Question 1

What are current mortgage interest rates in Dubai in 2026?

Accepted Answer

Dubai mortgage rates in 2026 typically range from 3.5% to 5.5% per annum for variable-rate products, with fixed introductory rates of 3.5–4.5% for 1–5 years. Rates depend on the lender, your income, nationality, and property type. Our calculator defaults to 4.5% as a representative mid-market rate.

Question 2

What is the maximum mortgage term in Dubai?

Accepted Answer

The UAE Central Bank sets the maximum mortgage term at 25 years for residential property. The loan must also be repaid before the borrower turns 65 (UAE nationals) or 70 (expats). This is why younger buyers can access longer terms.

Question 3

How much deposit do I need for a Dubai mortgage?

Accepted Answer

Expats need a minimum 20% deposit for properties priced under AED 5M, rising to 30% above that. UAE nationals need 15% (under AED 5M) or 25% (above). DLD fees — 4% plus admin — are separate from the deposit and typically add another AED 25,000–30,000 on top.

Question 4

Are Dubai mortgage rates fixed or variable?

Accepted Answer

Most Dubai mortgages are variable-rate, tied to EIBOR (Emirates Interbank Offered Rate), with an initial fixed period of 1–5 years. After the fixed period, payments adjust with EIBOR. Some banks offer longer fixed-rate products. Total cost over the full term depends on where rates move after the fixed period ends.

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