What is the current mortgage rate in Dubai?

It depends on the bank, your residency, salary transfer, and the property. Any number published as the UAE rate is a starting point, not your offer.

Are off-plan rates higher?

Usually a little, and the process takes longer. The developer and completion stage can matter more than a tenth of a percent.

Should I wait for rates to drop?

That is a personal call. Pre-approval still lets you view. A delay can cost more in rent or a missed unit than it saves on the rate.

Are Islamic profit rates the same as interest rates?

They are priced in the same market. The contract is different. We put both next to each other so you can see the monthly and the exit cost.

Rates

UAE Mortgage Rates, compared properly

Name: Crelco
Address: 3rd Floor, Westburry Tower, Business Bay, Dubai, AE
Telephone: +97143943751
Price range: No consultancy fee

The rate is not the loan.

Advertised UAE mortgage rates change with the market and with your file. Crelco compares structures across banks, including fees, not a single headline number.

Check eligibility

There is no single UAE mortgage rate. Banks publish starting figures for salaried residents, then price the file: DBR, salary transfer, property type, residency, and whether the home is ready or off-plan.

Off-plan rates are usually a bit higher than ready-property rates, and the process is slower. That is one cost of financing during construction. A cheaper advertised ready rate is useless if the bank will not look at your developer.

Crelco does not publish a live rate table that would be stale by tomorrow. We compare current lender options against your income and the property, then you choose. No consultancy fee.

Fixed, variable, and the first year

Fixed periods give certainty for a few years. Variable rates move with the bank’s base. Switching later is a refinance, with early settlement and new fees. A lower advertised rate can still cost more in the first year once valuation, processing, and registration are counted.

What actually changes your rate

Residency, salary transfer, loan-to-value, the bank’s view of the building, and whether the loan is Islamic or conventional. Non-residents and self-employed applicants are priced on a different grid. Two colleagues in the same office can be offered different numbers for the same apartment.

How to use the calculator

The UAE mortgage calculator on this site is a first monthly view. It does not include your liabilities and it is not a quote. An advisor replaces it with the banks that will complete.

Compare fixed and variable across major UAE banks.
Count fees, not only the rate.
Expect off-plan pricing to sit a little higher.
Refinance only if the arithmetic still works after settlement costs.
No consultancy fee.

Check eligibility

See what you can borrow.

A Crelco advisor maps the file, compares banks, and you decide. Crelco does not charge any consultation fees.

Questions

Asked, answered.

Direct answers first. If yours is not here, an advisor will take documents, timing, and the bank that actually fits.

Dubai marina skyline for a Crelco mortgage consultation

Private consultation

Speak with a Crelco mortgage advisor.

Independent advice. Banks compared for your file. Crelco does not charge any consultation fees.