Compare & get the UAE's best mortgage rates for free

Nothing. Lenddoo is 100% commission free for borrowers — we are paid by our banking partners, so you never pay us a dirham for comparing rates or for advisory support.

Pre-approvals are typically issued within 24 hours once your documents are shared, and remain valid for up to 3 months so you can bid on a property with confidence.

We compare mortgages and home loans from 18+ UAE banks, covering rates, bank processing fees, partial settlement terms and early settlement conditions.

Yes. Several of our banking partners lend to non-residents buying in Dubai and the wider UAE. An advisor will confirm eligibility, down payment and documentation for your nationality.

Yes. We compare refinancing offers across our bank network so you can lower your rate or release equity, and we handle the process end to end.

Almost every home loan in the UAE is fixed for one, two, three or five years and then reverts to a variable rate built from the bank's margin plus one-month or three-month EIBOR. The headline number banks advertise is the fixed rate; the number that decides what you pay over twenty years is the reversion margin sitting underneath it. When we compare 18+ lenders, we compare both — a market-leading fixed rate attached to a punitive reversion margin is not a good deal, it is a good advertisement.

Banks price your file, not the market average. Salaried applicants with a listed employer usually see the lowest home loan interest rates in the UAE; self-employed applicants pay a small premium. Loan-to-value matters — up to 80% for expat residents buying a first property under AED 5 million, 85% for UAE nationals, and lower for second properties and non-residents. Your Al Etihad Credit Bureau score, the emirate and type of property, and whether your total debt sits comfortably inside the Central Bank's 50% debt burden ratio all move the number.

Sharia-compliant home finance from banks such as Dubai Islamic Bank and ADIB is priced within a few basis points of conventional mortgages. Instead of interest, the bank buys and leases the property to you (Ijara) or sells it at a disclosed profit (Murabaha). The monthly obligation is comparable; the contract, the early settlement terms and the treatment of late payment are not. We quote both side by side so you can judge the total cost rather than the label.

Your own bank can only sell you its own rate, and each application you make yourself leaves a mark on your credit file. We hold live pricing across 18+ UAE lenders, including offers that are never published, submit one properly packaged file, and charge you AED 0 — our fee is paid by the bank you choose. On a AED 1.5 million loan, a 0.35% difference in rate is roughly AED 90,000 over twenty years, which is why the comparison is worth two minutes of your time.