Top 5 Strategies for the Best Mortgage Rates in 2026
Check with seller
Published date: 2026/02/17
- Location: Bab Al Shams, Dubai, United Arab Emirates
Name: amplusmortgage
Phone: 971 585 98xxxx
The UAE property market has entered with high momentum, following several strategic rate cuts by the Central Bank in late . With the base rate now sitting at 3.65%, the competition among lenders to offer the best mortgage rates has reached a new peak, creating a "buyer's market" for financing.
Current Market Leaders
As of February , resident borrowers can find highly competitive products across major institutions:
Fixed Rates: Banks like RAKBANK and Standard Chartered are leading with rates starting from 3.78% to 3.89% for 2-year terms.
Variable Rates: Linked to the 3-month EIBOR (currently near 3.52%), variable products often feature margins as low as 1.5%, keeping effective rates around the 5% mark.
Maximizing Your Savings
To secure the best mortgage rates, consider these essential factors:
Salary Transfer: Most banks, including FAB and ADCB, offer lower "floor rates" if you move your monthly salary to their account.
Loan-to-Value (LTV): Expatriates can finance up to 80% of property value, while UAE Nationals may access up to 85%.
APR Transparency: Always compare the Annual Percentage Rate (APR), which includes life insurance and processing fees, rather than just the headline interest rate.
With EIBOR projected to remain stable throughout , now is the time to lock in a deal. Whether you're buying a villa in Dubai or an apartment in Abu Dhabi, the current climate offers a strategic path to long-term equity.
Current Market Leaders
As of February , resident borrowers can find highly competitive products across major institutions:
Fixed Rates: Banks like RAKBANK and Standard Chartered are leading with rates starting from 3.78% to 3.89% for 2-year terms.
Variable Rates: Linked to the 3-month EIBOR (currently near 3.52%), variable products often feature margins as low as 1.5%, keeping effective rates around the 5% mark.
Maximizing Your Savings
To secure the best mortgage rates, consider these essential factors:
Salary Transfer: Most banks, including FAB and ADCB, offer lower "floor rates" if you move your monthly salary to their account.
Loan-to-Value (LTV): Expatriates can finance up to 80% of property value, while UAE Nationals may access up to 85%.
APR Transparency: Always compare the Annual Percentage Rate (APR), which includes life insurance and processing fees, rather than just the headline interest rate.
With EIBOR projected to remain stable throughout , now is the time to lock in a deal. Whether you're buying a villa in Dubai or an apartment in Abu Dhabi, the current climate offers a strategic path to long-term equity.
