The real estate market in Dubai continues to thrive, attracting both local buyers and international investors. A key factor that determines affordability is the mortgage rate in Dubai. Whether you are purchasing your first home or investing in property, understanding mortgage rates can help you make smarter financial decisions.

This guide covers everything you need to know about Dubai mortgage rates in 2025, including the latest trends, bank offers, eligibility requirements, and expert tips to secure the best deals.

Why Mortgage Rates Matter in Dubai

Mortgage rates directly impact your monthly repayments and the overall cost of property ownership. Even a small reduction in rates can save buyers thousands of dirhams over the loan term. For investors, lower rates translate into higher returns, while for residents, it means more affordable housing.

Current Mortgage Rates in Dubai (2025 Snapshot)

As of 2025, the average mortgage rates Dubai are:

Fixed Rates: 3.4% – 4.6%

Variable Rates: 3.2% – 4.8%

These rates remain competitive compared to many global property hubs, making Dubai a strong market for investment.

Fixed vs. Variable Mortgage Rates

Fixed Mortgage Rates

Interest remains unchanged for the set term.

Provides payment stability and long-term financial planning.

Typically locked in for 1–5 years.

Variable Mortgage Rates

Linked to EIBOR (Emirates Interbank Offered Rate).

Payments fluctuate with market performance.

Suitable for buyers willing to accept some risk.

Who Can Get a Mortgage in Dubai?

Dubai offers mortgage options for both residents and non-residents, but requirements differ:

Residents: Minimum monthly salary of AED 15,000.

Non-Residents: Minimum salary of AED 25,000.

Down Payment: 20% for residents, 25–35% for non-residents.

Credit Score: Strong financial history required.

Age: Must be between 21 and 65 at loan completion.

Top Banks Offering Mortgage Rates in Dubai (2025)

Emirates NBD – Reliable fixed-rate products.

Dubai Islamic Bank – Sharia-compliant mortgages.

HSBC UAE – Popular for expat mortgage solutions.

Mashreq Bank – Flexible and innovative packages.

First Abu Dhabi Bank (FAB) – Known for competitive variable rates.

Factors That Influence Mortgage Rates

Global interest rate shifts and UAE Central Bank policies.

Property type (residential vs. commercial).

Loan tenure (shorter terms = lower rates).

Borrower’s creditworthiness and employment stability.

Residency status of the applicant.

Tips to Secure the Best Mortgage Rate in Dubai

Compare multiple banks before choosing.

Improve your credit score to unlock better rates.

Negotiate terms with your lender directly.

Consider mortgage brokers for exclusive deals.

Refinance later if market conditions improve.

Mortgage Options for Expats in Dubai

Dubai’s freehold property zones allow expats to buy real estate with financing. While down payments are slightly higher than for UAE nationals, most banks offer tailored expat mortgage plans with competitive interest rates.

Is 2025 a Good Time to Buy Property in Dubai?

Yes. Stable mortgage rates, a growing economy, and rising rental demand make 2025 an excellent year for purchasing property in Dubai. Investors benefit from strong returns, while homeowners can secure attractive financing for long-term stability.