With Dubai's property market continuing to attract global attention, understanding mortgage rates Dubai is more important than ever for both residents and international investors. Whether you're buying your first apartment or investing in a luxury villa, getting the right mortgage at the right rate can save you thousands.
Current Mortgage Rates in Dubai
As of mid-2025, mortgage rates in Dubai typically range between:
Fixed-Rate Mortgages: 3.9% – 5.5%
Variable-Rate Mortgages: Starting at EIBOR + 1.5%
Islamic Home Finance: Profit rates around 4.25% – 5.2%
These rates may vary depending on the bank, the loan term, and your personal financial profile.
Factors That Influence Mortgage Rates
Several key factors can impact your mortgage rate in Dubai:
Type of Property: Off-plan, ready, residential, or commercial
Residency Status: UAE residents often get better rates
Down Payment Size: A larger down payment typically secures lower rates
Credit Score: Your AECB credit report plays a major role
Loan Tenure: Shorter terms usually offer better rates
Mortgage Options for Expats in Dubai
Dubai offers a welcoming mortgage environment for expats. Non-residents can get financing, though the mortgage rates in Dubai may be slightly higher than for residents. Loan-to-value (LTV) limits also differ:
Residents: Up to 80% LTV
Non-residents: 60% – 70% LTV
Working with a mortgage broker helps you navigate these options more easily.
How to Get the Best Mortgage Rate in Dubai
Here are a few tips to lock in a favorable rate:
Compare multiple lenders and offers
Improve your credit score before applying
Opt for a shorter loan tenure if possible
Consider pre-approval to speed up the process
Work with a trusted broker like Neon Mortgage
Why Choose Neon Mortgage?
Neon Mortgage makes your home loan journey smooth and stress-free:
Access to Dubai's top banks and lenders
Transparent, competitive mortgage rate comparisons
Expert advice tailored to your needs
Fast-tracked approvals and documentation support
Dubai Real Estate Outlook
Dubai’s real estate market is expected to remain strong through 2025, supported by economic diversification, high rental yields, and increasing foreign investments. With favorable mortgage rates in Dubai, now is a strategic time to buy.
