UAE Resident · Salaried
From
3.75%
Sharjah Islamic Bank
Mortgage advisory · United Arab Emirates
UAE mortgages,clearer answers.
CredMe UAE is a UAE mortgage advisory for residential mortgages and commercial property finance. 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
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.
01I'm buying a propertyTo live in or to letOpen the calculator →02I'm refinancing my mortgageA better rate on what you oweOpen the calculator →03I'm refinancing and want to release equityA new rate, plus cash outOpen the calculator →04I 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 →
The market, read for you
Current leading mortgage rates
What the market looks like today for four kinds of borrower. Read live from CredMe's published lender intelligence, not from advertising.
UAE Resident · Self-employed
From
4.59%
Rakbank
Non-resident
From
4.55%
HSBC
Variable rate
Priced as
EIBOR + lender margin
3M EIBOR is currently 3.96%
No verified variable-rate product is published for this profile today.
Latest EIBOR
The interbank benchmark variable mortgage rates are priced from.
What EIBOR means for your mortgage →- 1M
- 3.82%
- 3M
- 3.96%
- 6M
- 4.10%
CredMe published benchmark · Updated 04 Sept 2026
Read this before comparing
Why isn't there one “lowest rate”?
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”.
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 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
- A salary figure and a property price
- Its own products, ranked by its own margin
- An application that passes or fails
- A decline reason you are rarely told in full
- A footprint on your credit file, from the first enquiry
What CredMe sees
- Your position against every lender’s policy at once
- Which rule is capping you, and by how much
- What would move you into a better band, in dirhams
- The weakness a lender will find, before they find it
- Nothing on your file until you decide to proceed
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 flagship
See what your analysis looks like.
Not a quote and not a lead form. 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 document beside this is a real one, produced by the current CredMe intelligence for a synthetic specimen customer.
Inside your CredReport
- 01The decision, stated once
- 02What is limiting your borrowing
- 03Your recommended structure
- 04The economics behind it
- 05Matched lenders, and why
- 06What would change the recommendation
- 07Your next step
How CredMe works
Yours before it is anyone else's.
Four movements, in order. Each one closes a question the next one depends on.
01
Understand your position
A bank asks what you want to borrow. We start with who you are: your income, your history, the property you actually want.
Residency, employment, income, existing obligations, the property itself.
02
Analyse your options
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.
Debt burden and loan-to-value tested against CBUAE limits and lender policy.
03
Find the right financing
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.
Ten sections, ranked lenders, and the trade-offs stated plainly.
04
Complete with expert guidance
Then someone real takes over. A CredMe advisor reads everything CredMe has learned before you ever speak, so you never start over.
Nothing reaches a bank until you decide it should.
The handoff
A mortgage is not a fintech event. It is the largest promise most people will ever make.
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.
- Lender on our panel, tested against your file
- Every
- Credit checks before you agree
- 0
- CredMe advisor, start to transfer
- 1
Mortgage guides
Written for the UAE, not translated into it.
Start with your position, not with a product.
Get my free CredReport →3 minutes · no credit check
Or start with the calculator →