An Islamic mortgage on a Dubai property in October 2026 is available from at least eight lenders: Dubai Islamic Bank, Emirates Islamic, ADIB, FAB Islamic, Mashreq Al Islami, RAKislamic, Amlak Finance and Standard Chartered Saadiq. The cheapest published fixed rates are 3.99% from FAB Islamic and ADIB, RAKislamic prints 4.69% fixed for three years, and DIB's Key Facts Statement starts at 3.95%. On top of the finance you pay the Dubai Land Department 4% of the price, 0.25% of the finance amount to register the mortgage, and AED 4,000 plus VAT to the registration trustee. This page covers the lenders, the DLD costs and the Central Bank's deposit bands; the home financing hub covers eligibility nationwide.
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Which banks finance a Dubai title deed and what they publish
Every lender below finances completed freehold property in Dubai. They differ in what they print. FAB Islamic and ADIB publish headline fixed rates. RAKislamic publishes a single reducing rate. DIB and Emirates Islamic publish a range or a margin in their Key Facts Statements. Mashreq publishes its pricing only inside the Dubai first-time buyer programme terms. Amlak publishes structure but no rate. Standard Chartered publishes the EIBOR benchmark and fee caps but not its margin. The table shows the figures as printed on 22 September 2026; the final rate is always the one in your offer letter.
| Lender | Published rate | Processing fee | Minimum salary | Notes |
|---|---|---|---|---|
| FAB Islamic | 3.99% fixed 1 to 3 yrs with salary transfer and card; 4.24% without; 5 yrs 4.19% or 4.44% | Waived for salaried first-time buyers transferring salary, capped AED 25,000 | Not on page | Offer to 31 Dec 2026; reverts to 3M EIBOR + 1.5% or 1.89%, floor 1.99% |
| ADIB | 3.99% fixed 2 yrs, then 1M EIBOR + 1.60%, floor 3.10% | 0.5% to 1% + VAT | AED 10,000 with salary transfer; AED 15,000 without | Up to AED 30M; no early settlement fee on sale |
| RAKislamic | 4.69% reducing, fixed 3 yrs, then EIBOR + margin | No pre-approval fee; processing not on page | Not on page | 20% deposit under AED 5M; 30% at or above |
| DIB | KFS: from 3.95% to 9.35%; EIBOR 3, 6 or 12M + margin | 1.05%, min AED 5,250, max AED 105,000 | AED 10,000 (off-plan page) | Fixed 3 and 5 yr options; salary transfer not required |
| Emirates Islamic | EIBOR + 1.74% to 4.25% margin | 1.05%, no cap; 0% on buy-out | AED 8,000 nationals; AED 20,000 residents | Early settlement 1.05% or AED 10,500, whichever less |
| Mashreq Al Islami | First-time buyer scheme: 3M EIBOR + 1.75%, floor 2.00%; or 5.00% fixed 2 yrs then 3M EIBOR + 1.50%, floor 5.00% | 0% for salaried; nil pre-approval fee | Not on page | Property under AED 5M; DET registration required |
| Amlak Finance | Not published | Not published | Not published | Up to 80% finance; no salary transfer; min finance AED 250,000 |
| Standard Chartered Saadiq | EIBOR-linked; 3M EIBOR 4.29% on 6 Oct 2026, margin not published | Up to 0.525% | AED 15,000 | Up to AED 18M; completed property only; SaadiqOne offset option |
Two of these need a note. FAB Islamic's 3.99% applies to new customers only and is a campaign valid to 31 December 2026; the revert rate of three-month EIBOR plus 1.5% would be about 5.79% at the 22 September 2026 fixing of 4.29%, which is the number to budget for from year two or four. Mashreq Al Islami's pricing comes from the First Time Home Buyers Scheme run with Dubai's Department of Economy and Tourism: you must register on the DET site, not own freehold residential property in Dubai, and buy under AED 5 million, and the bank's terms say the discount applies to Mashreq and Mashreq Al Islami home finance disbursed from 1 January to 31 December 2026.
DLD transfer fee, mortgage registration fee and trustee costs
The Dubai Land Department's sale registration page lists the fee as 2% of the sale value from the seller and 2% from the buyer, plus AED 250 for the title deed, a map fee (AED 250 for villas and apartments), AED 10 knowledge fee and AED 10 innovation fee. Market practice in Dubai is for the buyer to pay the whole 4%, and your sale and purchase agreement will say who pays. The registration trustee, the private office that processes the transfer on DLD's behalf, charges AED 4,000 plus VAT where the sale value is AED 500,000 or more and AED 2,000 plus VAT below that.
Registering the mortgage is a separate transaction with its own fees. DLD's mortgage registration page and Executive Council Resolution No. 30 of 2013 both set the fee at 0.25% of the mortgage (debt) value, plus AED 250 per title deed issued, AED 10 knowledge fee and AED 10 innovation fee. The trustee charges AED 4,000 plus VAT for a mortgage on a title deed and AED 5,000 plus VAT for a provisional registration on an Oqood (off-plan) contract. The same 2013 schedule prices a mortgage transfer at 0.25%, a variation of mortgage details at AED 1,000 and a mortgage discharge at AED 1,000, which you will pay when you settle or move the finance.
| Item | Fee | Who sets it | On AED 2M price, AED 1.6M finance |
|---|---|---|---|
| Sale registration | 4% of price (2% + 2%) | DLD | AED 80,000 |
| Title deed, map, knowledge, innovation | AED 250 + 250 + 10 + 10 | DLD | AED 520 |
| Sale trustee fee | AED 4,000 + VAT (AED 2,000 under AED 500,000) | Registration trustee | AED 4,200 |
| Mortgage registration | 0.25% of finance | DLD | AED 4,000 |
| Mortgage title deed, knowledge, innovation | AED 250 + 10 + 10 | DLD | AED 270 |
| Mortgage trustee fee | AED 4,000 + VAT | Registration trustee | AED 4,200 |
| Bank processing fee | 0% to 1.05% + VAT | Lender | AED 0 to 17,640 |
Add the bank's valuation fee (Standard Chartered prints AED 3,000 to 3,625; others quote on application) and the agent's commission, and a AED 2 million purchase financed at 80% costs between roughly AED 93,000 and AED 115,000 in fees before furniture. The guide to Islamic mortgage fees in the UAE breaks down the lender-side charges, including the commitment-to-donate amounts for late payment (Emirates Islamic prints AED 735 per instalment) that go to charity rather than the bank.
Deposit bands by price and buyer type under the CBUAE regulation
The Central Bank's Regulations Regarding Mortgage Loans (Circular 31/2013, amended by Board Resolution 31/2/2020) set the maximum loan-to-value a bank may lend, and every Islamic lender in Dubai applies them to Ijarah and Murabaha finance. For a first home or owner-occupied property, UAE nationals may finance up to 85% of value when the property is AED 5 million or less and 75% above AED 5 million. Expatriates may finance 80% up to AED 5 million and 70% above it. A second or subsequent home or an investment property is capped at 65% for nationals and 60% for expatriates regardless of value. Property bought off plan is capped at 50% for everyone.
- Expatriate, first home, AED 1.8 million ready apartment: minimum 20% deposit, AED 360,000, plus roughly AED 85,000 in DLD, trustee and bank fees.
- UAE national, first home, AED 4.5 million villa: minimum 15% deposit, AED 675,000.
- Expatriate, first home, AED 7 million villa: minimum 30% deposit, AED 2.1 million, because the property is above AED 5 million.
- Any buyer, off-plan unit at any price: minimum 50% deposit, and DIB's off-plan product additionally requires the project to be at least 35% complete.
- Any buyer, second property: 35% (nationals) or 40% (expatriates) deposit, whatever the price.
The regulation also caps the debt burden ratio at 50% of gross income, requires the balance after retirement age to be serviceable at 50% of post-retirement income, deducts at least two months' rent from any rental income used to qualify, and limits tenor to 25 years. RAKislamic's calculator reflects the bands directly: 20% Hamish Jiddiyah (security deposit) under AED 5 million and 30% at or above it.
Off-plan and ready property: which banks finance each and the Oqood step
Ready property is where every lender in the table competes. Off-plan is narrower. DIB publishes a dedicated Off Plan Finance product: up to 50% of value, no salary transfer, available in every emirate, with the project at least 35% complete, the customer having paid at least 50% of the purchase price, a minimum salary of AED 10,000 for salaried applicants, and the option to pay only profit until completion or two years, whichever is earlier. ADIB and FAB Islamic both publish special pricing for handover payments to developers, which is the final-instalment case rather than a true off-plan purchase. Standard Chartered Saadiq and Amlak's Ijarah page state completed property only.
The Oqood step is the DLD's interim register for off-plan units. Until a building is complete the buyer holds an Oqood (pre-registration) rather than a title deed, and a lender's security is registered against it; DLD's trustee fee for that provisional mortgage is AED 5,000 plus VAT rather than AED 4,000. On completion the unit moves to the main register, a title deed is issued (AED 250), and the mortgage is carried over. The buy-to-let and off-plan financing article covers the developer no-objection certificate and what happens if the bank's valuation at handover comes in below the contract price.
How the Dubai lenders differ on process and location
Five of the eight are headquartered in Dubai: DIB, Emirates Islamic, Mashreq, Amlak (Barsha Heights) and Standard Chartered's UAE business. ADIB and FAB are Abu Dhabi banks with Dubai branches, and RAKBank is in Ras Al Khaimah with its home finance offered for Abu Dhabi, Dubai and Ras Al Khaimah. That matters less than it used to, since DLD transactions happen at trustee offices across Dubai regardless of the bank, but a Dubai-based home finance desk tends to know the developer approval lists and the DLD queues.
Process claims worth noting: Standard Chartered states approval within 2 to 7 working days once documents are complete; DIB offers an instant online First Step pre-qualification with no fee for UAE residents; RAKislamic charges no pre-approval fee; Mashreq waives the pre-approval fee under the first-time buyer scheme and refunds the valuation fee if you transfer your salary. Emirates Islamic and ADIB both list the standard document set: passport, visa and Emirates ID, salary certificate under 45 days old, three to six months of bank statements, a liability letter, and the property's sale agreement or title deed. Self-employed applicants at ADIB are restricted to properties in Abu Dhabi and Dubai and need AED 3 million annual turnover.
Verdict for a first-time buyer, a buyer without salary transfer and a buyer above AED 5 million
A first-time expatriate buyer under AED 5 million should start with two quotes: FAB Islamic's 3.99% fixed with salary transfer and card, and Mashreq Al Islami's DET scheme at 5.00% fixed for two years or three-month EIBOR plus 1.75% from day one. Ask both for the revert rate in writing, because FAB's three-month EIBOR plus 1.5% is the rate for most of the term. ADIB's 3.99% fixed for two years with a 3.10% floor afterwards is the third quote, and its waiver of early settlement fees on sale suits anyone who may move within five years.
A buyer who cannot transfer salary has four published options: DIB and Amlak state salary transfer is not required, FAB Islamic prices it at 4.24% rather than 3.99%, and ADIB accepts non-transfer customers at a AED 15,000 minimum salary. A buyer above AED 5 million needs 30% down as an expatriate or 25% as a national, and should look at ADIB (up to AED 30 million) and Standard Chartered Saadiq (up to AED 18 million, with the SaadiqOne offset account that can absorb a large cash balance). RAKislamic caps its calculator at AED 20 million and requires 30% at that level. Whatever the bracket, model the DLD and trustee fees on the price you will actually pay, since the 4% is the largest single cost after the deposit. Facts checked against dubailand.gov.ae, dlp.dubai.gov.ae, rulebook.centralbank.ae, dib.ae, emiratesislamic.ae, adib.ae, bankfab.com, rakbank.ae, mashreq.com, amlakfinance.com, sc.com on 22 September 2026.
Frequently asked questions
Which banks offer an Islamic mortgage in Dubai?
Dubai Islamic Bank, Emirates Islamic, ADIB, FAB Islamic, Mashreq Al Islami, RAKislamic, Amlak Finance and Standard Chartered Saadiq all finance completed Dubai property under Ijarah or Murabaha structures. Of these, only DIB publishes a dedicated off-plan product on its website. FAB Islamic and ADIB print the lowest headline fixed rate at 3.99%, RAKislamic prints 4.69% fixed for three years, and the others price off EIBOR plus a margin disclosed in the offer letter.
What are the DLD fees on a mortgaged property in Dubai?
The Dubai Land Department charges 4% of the sale value on transfer (listed as 2% from each party, usually paid by the buyer), AED 250 for the title deed, a map fee of AED 250 for villas and apartments, and AED 10 each for knowledge and innovation fees. Registering the mortgage costs 0.25% of the finance amount plus AED 270 in fixed fees. The registration trustee charges AED 4,000 plus VAT for each of the sale and the mortgage, or AED 5,000 plus VAT for an off-plan Oqood mortgage.
How much deposit do I need for a Dubai Islamic mortgage?
Under the Central Bank's mortgage regulations, an expatriate buying a first home needs at least 20% of the value when the property is AED 5 million or less and 30% above that; a UAE national needs 15% or 25%. Second homes and investment properties need 40% (expatriates) or 35% (nationals), and any off-plan purchase needs 50%. Banks may ask for more, and the deposit cannot be borrowed. DLD and trustee fees come on top.
Can I get an Islamic mortgage in Dubai without a salary transfer?
Yes. DIB and Amlak Finance state on their pages that salary transfer is not required. FAB Islamic prices non-transfer customers at 4.24% fixed instead of 3.99%, and ADIB accepts them with a AED 15,000 minimum salary instead of AED 10,000. Mashreq's first-time buyer scheme makes salary transfer a condition of the valuation fee refund rather than of approval. Expect a slightly higher margin or a lower finance-to-value when you do not transfer.
Which Dubai banks finance off-plan property?
DIB publishes an Off Plan Finance product covering up to 50% of value on projects at least 35% complete where the buyer has paid at least 50%, with profit-only payments until completion or two years. ADIB and FAB Islamic advertise special rates for developer handover payments. Standard Chartered Saadiq and Amlak's Ijarah product finance completed property only. The Central Bank caps all off-plan finance at 50% of value, and DLD registers the lender's interest against the Oqood until the title deed is issued.
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Is a fixed or EIBOR-linked Islamic mortgage better in Dubai right now?
On 22 September 2026 three-month EIBOR was 4.29% and twelve-month EIBOR 5.08% on Standard Chartered's rate board, so a margin of 1.5% to 2% puts variable pricing near 5.8% to 6.3%, above the 3.99% to 4.69% fixed introductory rates. The fixed rates are campaign offers for one to five years that revert to EIBOR plus margin, so compare the revert formula and floor rather than the headline, and budget for the variable rate from the end of the fixed period.
