LIVE Updated rates from 16+ UAE banks

Skip the bank visits. banqy compares every UAE bank and negotiates the lowest rate, lowest fees, and best terms, for you, in minutes.

3 Countries
2 Continents
5.8B+
Mortgages matched
90%+
Approved applications
Get your best rate
Step 1 of 5
What are you looking to do?
Step 2 of 5
Where are you in the journey?
Step 3 of 5
What's your residency status?
Step 4 of 5
What's your monthly income?
Final step
Where should we send your matched offers?

You're matched.

A banqy mortgage advisor will reach out within 30 minutes with your top 3 offers from UAE banks.

Bank-grade encryption No credit-score impact 30-min response
Emirates NBD
First Abu Dhabi Bank
Mashreq
ADCB
Dubai Islamic Bank
HSBC
ADIB
RAK Bank
Standard Chartered
CBD
Sharjah Islamic
NBF
Ajman Bank
Al Hilal Bank
Barclays
BNP Paribas
Citibank UAE
Invest Bank
NBQ
Wio Bank
Bank of Sharjah
Arab Bank
Emirates NBD
First Abu Dhabi Bank
Mashreq
ADCB
Dubai Islamic Bank
HSBC
ADIB
RAK Bank
Standard Chartered
CBD
Sharjah Islamic
NBF
Ajman Bank
Al Hilal Bank
Barclays
BNP Paribas
Citibank UAE
Invest Bank
NBQ
Wio Bank
Bank of Sharjah
Arab Bank
Why banqy

Everything a bank visit can't give you

We compare every UAE bank, negotiate on your behalf, and get you to keys. Faster and cheaper than going alone.

ADCB FAB ENBD DIB HSBC +10 more

16+ banks, one submission

We package your documents once and submit to every UAE bank that fits your profile. No repeated paperwork, no wasted visits.

16+UAE banks compared
Bank rate 4.25% direct bank banqy rate 3.75% via banqy Save AED 1,200 / mo

Lowest rate, guaranteed

Banks compete for your mortgage. Our negotiators push for rate reductions, waived fees, and better terms. Savings you simply can't get at a branch window.

0.4%avg rate saved vs. walk-in
Submit docs Day 1 Pre-approval Day 2–3 Keys in hand Day 21

Pre-approval in 24 hours

While a direct bank application takes weeks, banqy gets you a pre-approval letter within 24–72 hours.

3 wksavg time to close
Bank-grade encryption No credit hit on your score 8,000+ families protected across the UAE

Zero stress, start to finish

Your dedicated advisor handles DLD registration, valuation, and final signing coordination. Bank-grade encryption on every document. No credit-score impact.

24K+approvals
Banqy banking network

16 banks. One winner.

Banqy negotiates with every UAE Bank on your behalf, you walk away with the best deal, guaranteed.

0
UAE banks negotiating for you
0
Free advisory, banks pay us
0
From application to keys
~75K
Saved per customer on average
banqy
Emirates NBD
FAB
Mashreq
ADCB
Dubai Islamic
HSBC
ADIB
RAK Bank
Standard Chartered
CBD
Sharjah Islamic
NBF
Ajman Bank
UAB
Finance House
Invest Bank
Mortgage calculators

Run the numbers before the bank does.

Two free tools to see exactly what you can afford and what you'll pay each month, with rates pulled live from UAE banks.

years
years
Here's your affordability
1,067,047
Estimated monthly payment capacity
5,500
Max loan amount
Monthly payment
Down payment (20%)
Loan term
Estimated interest rate~3.74%
Dubai Land Dept. fee (4%)
Mortgage registration fee
Total upfront cost

Ready to take the next step? Get in touch with our mortgage experts!

Contact us
Principal loan amount
1,600,000
Monthly payment
9,386
Estimated upfront cost
529,000
Principal loan amount
Monthly payment (EMI)
Total interest paid
Total amount paid
Loan term
Dubai Land Dept. fee (4%)
Mortgage registration fee
Total upfront cost

Get in touch with our mortgage experts to discuss your financing options!

Contact us

*This is an estimate and should not be used as a guaranteed amount.

Today's mortgage rates

Live rates from every UAE bank.

Negotiated by banqy advisors. Refreshed every 24 hours. No fees, no obligations, ever.

25-year fixed mortgage rates

Live · 28 Apr 2026
BestEmirates NBD
3.74%
Fixed 5y
25 years
Get
First Abu Dhabi
3.79%
Fixed 3y
25 years
Get
Mashreq
3.85%
Fixed 5y
25 years
Get
ADCB
3.89%
Variable
25 years
Get
Dubai Islamic
3.95%
Ijarah
25 years
Get
HSBC
3.99%
Fixed 3y
25 years
Get

Today's lowest

3.74%
Emirates NBD · 5-year fixed · 25-year term

You could save

14k
Annual savings vs the average UAE bank rate. Based on a 2.4M 25-year mortgage.
Trusted across the UAE

Stop chasing banks.
Banks chase you.

Avg. rate trend · ↓ 0.45%
0
Happy clients
Across UAE
0
matched
In mortgages
260/mo
Lower monthly payment
vs. walking into a bank
Our guarantee

The best deal on the market, or we don't get paid.

Walking into one bank gets you their deal. banqy gets you the best deal across every bank.

Banks bid. You win.

banqy puts your application in front of 16 banks at once. They compete on rate, fees, and terms, you pick the winner.

HSBC3.99%
Mashreq3.85%
Emirates NBD3.74%

Tailored, not templated

Every offer is built around your income, residency, and property, never a generic rate sheet. The offer you see is the offer you get.

A real human advisor

One dedicated mortgage expert, from your first call to keys in hand. They negotiate on your behalf with every bank.

Avg. response · 4 minutes

Zero hidden fees

Banks pay us when you close, never you. The rate you see is the rate you get. No surprises, ever.

Conventional & Islamic

Whether fixed-rate or fully Sharia-compliant Ijarah, we shop both worlds for you, side by side.

How it works

Four steps. Zero stress.

From your first question to handing you the keys.

01

Talk to an advisor

A 15-minute call to understand your goals and pre-qualify you. No paperwork yet, just a conversation.

02

We shop every bank

Send your documents once. We package and submit your application to every bank that fits, and let them compete.

03

Choose the best offer

We deliver your top 3 offers side-by-side with a clear breakdown. You pick. We handle the rest.

04

Sign & get the keys

We coordinate signing, valuation, and disbursal. You move in, usually within 3 weeks.

Step 1

Step 01 · The advisor call

15-minute call · Free advisory
Step 2

Step 02 · Apply once, shop everywhere

Submitted to 16 banks · 4 offers received
Step 3

Step 03 · Your top 3 offers

Best rate: Emirates NBD · 3.74%
Step 4

Step 04 · Welcome home

Keys handed over · Day 21
Frequently asked

Everything you want to know.

Can't find what you're looking for? Talk to a banqy advisor, it's free.

Talk to an advisor →
Not with the right partner. banqy starts with a free, no-impact eligibility check that takes minutes. We handle the paperwork, negotiate with banks, and walk you through every step.
For UAE residents, expect 20% on your first property and 30% on additional properties. Non-residents typically need 30%+. banqy will match you with banks that have the most flexible programs for your situation.
Yes, many UAE banks offer mortgages to non-residents. Terms depend on your nationality, income, and property type. banqy works with every lender that does non-resident mortgages.
Islamic financing follows Sharia principles using structures like Ijarah or Murabaha, no interest. Conventional uses fixed or variable interest rates. banqy compares offers from both side-by-side.
Banks pay us a small commission only when your mortgage closes, and only because we save them the cost of their own sales team. You pay nothing, ever. We've also negotiated exclusive rates that you can't get walking in alone.
Pre-approval is usually 24–72 hours after we have your documents. Full close, from offer to keys, averages 3 weeks at banqy versus 8–12 weeks going directly to a bank.

Find your best mortgage
in 3 minutes.

No fees. No credit-score impact. Just the best deal in the UAE, guaranteed.

Get my best rate →