Dubai’s real estate market continues to attract global investors, expats, and residents seeking long-term value and lifestyle. Whether you're purchasing a villa in Jumeirah or an apartment in Downtown, knowing the current mortgage rates Dubai is essential. These rates determine not just your monthly payment but your overall return on investment.

What Are the Current Mortgage Rates in Dubai?

As of mid-2025, the average mortgage rates in Dubai range from:

• Fixed Rate Mortgages: 3.75% to 5.25%

• Variable Rates: EIBOR + 1.25% to 2.75%

• Islamic Finance Options: 3.95% profit-based

These figures can vary by bank, applicant profile, and loan structure.

 Factors That Impact Mortgage Rates Dubai

1. Loan-to-Value (LTV) Ratio – Higher down payments generally unlock lower rates.

2. Credit Score – A clean AECB credit history improves your eligibility.

3. Employment Type – Salaried professionals often get better rates than freelancers.

4. Loan Term – Shorter loans (10–15 years) offer more attractive rates.

5. Bank Promotions – Seasonal offers can reduce interest or eliminate fees.

Mortgage Options for Expats & Residents

Dubai offers mortgages for a wide range of buyer profiles:

Even as a non-resident, it’s possible to get competitive Mortgage Rates in Dubai by presenting strong documentation and financial history.

Tips to Secure the Best Mortgage Rate in Dubai

• Improve Your Credit Score before applying

• Compare Multiple Banks on platforms like NeonMortgage.com

• Negotiate Fees and hidden charges

• Fix Your Rate if EIBOR trends are uncertain

• Consider Islamic Home Finance if interest-free options suit your values

Why Choose Neon Mortgage?

At Neon Mortgage, we bring you direct access to the top mortgage providers in Dubai with personalized advice:

•  Compare real-time rates

•  Get pre-approval fast

• Expert guidance for expats, residents & investors

• Save time and money with no-obligation consultations