UAE Resident · Salaried
From
3.75%
Fixed 1 year
Requires salary transfer
Mortgage advisory · United Arab Emirates
UAE mortgages,clearer answers.
CredMe UAE is a mortgage advisory for residential mortgages and commercial property finance in the United Arab Emirates. We help homebuyers, property investors and businesses compare options, understand the real numbers, and move forward with confidence.
- Guidance across lendersWhich UAE lenders fit you
- Clear, honest numbersFree, with no credit check
- Residential & commercialMortgages and property finance
Inside your CredReport
- The decision, stated once
- What is limiting your borrowing
- Your recommended structure
- The economics behind it
- Matched lenders, and why
- What would change the recommendation
- Your next step
A written assessment of what you can borrow, what it costs, which lender fits your file, and what would move you into a better band. The sample is produced by current CredMe intelligence for a synthetic customer; it is illustrative and is not a mortgage offer.
How we can help
Mortgage advisory for every next step
The calculator
Start with the numbers.
What you could borrow, what it costs each month, and the cash you would need on the day, worked out from your situation against real lending rules, not a flat percentage.
Free. No credit check. Nothing goes to a bank.
I'm buying a propertyTo live in or to letOpen the calculator →I'm refinancing my mortgageA better rate on what you oweOpen the calculator →I'm refinancing and want to release equityA new rate, plus cash outOpen the calculator →I own a property and want to release equityNo mortgage on it todayOpen the calculator →
When the numbers make sense, your free CredReport reads them properly: which lenders fit your file, which rule is capping you, and what would move you into a better band. Get my free CredReport →
How CredMe works
See how CredMe approaches your mortgage.
From your numbers to the market in under a minute.
Read the film as text
01 · Your position
Know where you stand.
Before the bank does.
02 · The usual order
How much can I borrow?
Which bank fits me?
What will it really cost?
Will I qualify?
03 · The shift
Most people start there.
We think that’s backwards.
04 · Your numbers
Start with your numbers.
A specimen client, shown as illustrative (Dubai, refinance and equity release): refinanced facility, cash released, monthly payment, and debt burden ratio against the CBUAE ceiling. Not an offer of finance, and not an advertised rate.
05 · The market
Your file. Your numbers. Then the market.
Options tested against your file: each lender’s own policy, applied to your file; the rule that is capping you, and by how much; what would move you into a better band.
06 · Advice
Clearer numbers. Better questions.
A human advisor when it matters.
Close
Get your free CredReport.
Understand your position before you approach the market.
credmeuae.com · Mortgage advisory · United Arab Emirates
Shown throughout: Indicative. Not an offer of finance.
The market, read for you
Leading mortgage rates CredMe publishes
Where pricing starts for four kinds of borrower, read from CredMe's published mortgage intelligence rather than from advertising.
UAE Resident · Self-employed
From
4.05%
Fixed 1 year
Non-resident
From
4.19%
Fixed 3 years
Variable rate
From
4.67%
3M EIBOR + 0.30% · currently 4.49%
. A publication date, not today's date. See UAE mortgage rates and EIBOR in full
Latest EIBOR
The interbank benchmark variable mortgage rates are priced from.
What EIBOR means for your mortgage →- 1M
- 4.09%
- 3M
- 4.19%
- 6M
- 4.55%
CredMe published benchmark · Updated 10 Oct 2026
Read this before comparing
Why isn't there one “lowest rate”?
The lowest advertised rate may not be the rate you qualify for. Your circumstances, the property and each lender’s policy determine the products that fit.
See what I qualify for →What moves the answer
- Residency and employment
- Income and how it is earned
- Whether your salary transfers
- Deposit and loan-to-value band
- The property itself
- Each lender’s own policy
- Your journey: buying, refinancing, or releasing equity
CredBrain reads each of these against every lender's published policy before CredMe recommends anything.
Why rates differ between borrowers
Because there isn't one borrower. Each figure above is the lowest rate the engine finds for a representative profile of that kind. The lowest advertised rate is not always the rate you qualify for. Banks price the exact product your file matches, so the honest question is not “what is the lowest rate” but “what is the lowest rate for you”.
Why CredMe
Two ways to arrive at the same mortgage.
The calculator and the rates above describe the market. CredBrain, the lender intelligence behind every CredMe recommendation, reads your position against it: every lender's policy, applied to your file, before anything is recommended.
| What a bank sees | What CredMe sees |
|---|---|
| A salary figure and a property price | Your position against every lender’s policy at once |
| Its own products, ranked by its own margin | Which rule is capping you, and by how much |
| An application that passes or fails | What would move you into a better band, in dirhams |
| A decline reason you are rarely told in full | The weakness a lender will find, before they find it |
| A footprint on your credit file, from the first enquiry | Nothing on your file until you decide to proceed |
How CredMe works
Yours before it is anyone else's.
Four movements, in order. Each one closes a question the next one depends on.
Understand your position
Residency, employment, income, existing obligations, the property itself.
More about this step
A bank asks what you want to borrow. We start with who you are: your income, your history, the property you actually want.
Analyse your options
Debt burden and loan-to-value tested against CBUAE limits and lender policy.
More about this step
Every lender on the panel, each one’s own policy applied to your file. We tell you which rule is capping you, and by how much.
Find the right financing
Ten sections, ranked lenders, and the trade-offs stated plainly.
More about this step
What you receive is not a summary. It is a CredReport, prepared the way a private bank would prepare it for a client, never a lender’s brochure.
Complete with expert guidance
Nothing reaches a bank until you decide it should.
More about this step
Then someone real takes over. A CredMe advisor reads everything CredMe has learned before you ever speak, so you never start over.
The handoff
Intelligent analysis. Human advice.
CredMind does the reading. A CredMe advisor does the judgement, assigned when your consultation is reviewed, arguing your case with the lender, and staying with the transaction until the transfer completes.
Most clients arrive here in order: the calculator first, then their CredReport, then this conversation.
Lenders that fit
Each lender on our panel is assessed against your file.
Your choice comes first
No credit check before you agree.
Guidance to completion
A CredMe advisor supports you from review to transfer.
Our approach to your mortgage
A mortgage is not a fintech event. It is the largest promise most people will ever make.
Mortgage guides
Clear answers for UAE mortgages.
Buying your property
Understand eligibility, deposits and the steps to buying.
Explore the guides →Understand the numbers
Mortgage rates, EIBOR, DBR and loan-to-value, explained.
Explore the guides →Already own a property?
Explore refinancing and equity release.
Explore the guides →Browse all guide topics
Client experiences
In our clients’ words.
Start with your position, not with a product.
Get my free CredReport →3 minutes · no credit check
Use mortgage calculator →