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Experience the joy of buying your first dream home with FAB Mortgages in UAE. Our specially designed financing solutions and expert guidance will help make your home-buying journey smooth and memorable. Apply for a mortgage and unlock exclusive benefits tailored just for you.
What are you looking for?
We are here to help you navigate this financial journey with ease by offering you all the information, tools and insightful tips to make an informed decision.
View all frequently asked questions
What is a Mortgage or Home Loan?
It’s a loan that is used to buy a property such as a house, villa, apartment, townhouse, or small building as an investment. The property will be held by the Bank as security until you pay off the loan.
What is a Down Payment?
Down Payment is the initial amount you need to contribute to availing of a home loan from a financial institution. It’s the amount of savings you use in buying a home.
How do we value the property?
Should you wish to get a mortgage from FAB, the property valuation, also called a site visit, will be conducted by one of the evaluators on our approved panel. Evaluators will visit the property to estimate its value. If you have already selected the property, and wish to estimate its worth, all you need to ensure is to specify the contact person (if other than you) who could be contacted for property valuation. To request a property valuation, you may call our Contact Centre on 600525500.
If you need the property valuation to be conducted without a loan from FAB, then you will have to contact a property valuator.
Do I need an insurance cover for the mortgage?
Yes. You would need both Life Insurance and Property Insurance cover for your mortgage. FAB has a group insurance cover available through our partners for both and can be easily availed. You will not be required to do any medical test for loan amount up to AED 6 million.
What is EIBOR, its trend and max high/low?
EIBOR (Emirates InterBank Offered Rate) is a benchmark interest rate published daily by UAE Central Bank. It reflects the average rate offered by major banks in UAE for short-term loan funding between banks. Daily and historical data for EIBOR is available at UAE Central Bank’s website EIBOR Rates | CB UAE (centralbank.ae).
Insightful Tips and Resource for Investing in Property
Things to keep in mind when looking to buy a home
Buying a forever home is one of the biggest and most significant financial decisions, so it’s crucial you consider a few key factors before taking the step.
Property investment podcast to listen to
Check out the podcast Makram Hani – Making the difference through real estate investment and coaching.
Some of the best residential neighbourhoods in UAE
The UAE is one of the most dynamic and safe places to live in the world, offering residents a high quality of life.
Best schools in the UAE
If you have a family with young children, looking for the best schools in the city is most likely the top of your list.
Recommended movers
Moving into an apartment, townhouse or villa can be overwhelming. This is why we have listed access to some of the best packers and movers in the UAE to make your move seamless and hassle-free.
Top 3 real estate websites in the UAE
The research for your forever home is key and these real estate websites make it a lot quicker and easier to find what you are looking for.
Recommended pest control services
One of the first few things you should check off your list once you decide on a home is to get a pest control service to fumigate your home.
Home Mortgage Calculator
Use FAB's Mortgage Calculator to determine your loan eligibility, monthly payments, and the effects of overpayments. Enter your income and expenses to calculate your EMI amount.
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* Please note that this is just an estimate based on the given amounts and the downpayment is dependent on the transaction type along with the relevant conditions that apply
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* Please note that this is just an estimate based on the given amounts and the downpayment is dependent on the transaction type along with the relevant conditions that apply
Types of Mortgage Loans
FAB Green Mortgage
Opt for Green Mortgages for Energy Efficiency and Sustainability.
- Market-leading* exclusively discounted rates when you opt for our green mortgages
- Further waivers on processing or valuation fees
Non-Resident Home Loans in UAE
Invest in a property in UAE as a non-resident with FAB's easy financing solutions
- High loan amounts of up to AED 10 million
- Borrow up to 50% of the property’s value
- Competitive variable rates with an option to link to EIBOR or MBR
Home Loan for Residents of UAE
Own your Dream home with FAB Home Loans offering Flexible Terms and fixed Rates for up to 5 years
- Market-leading* rates starting from 3.94% with flexibility across one, three and five-year options
- 60-day grace period before your first instalment or 120-days for mortgage transfers
Mortgage Loans For Small Buildings
Explore FAB Mortgage Financing Options for Completed Residential Buildings
- Loan amount of up to AED 100m
- Loan duration of up to 20 years
- Competitive rates
National Housing Loan (NHL)
Helping UAE nationals to buy their dream homes.
- Loans up to AED 2 Million
- Loan duration of up to 25 years
- No interest
Get in touch
Need more help?
Contact us anytime for further assistance or check out our FAQ page for more information.
| For customers within the UAE | For customers outside of the UAE | ||
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600 52 5500 | |
+971 2 681 1511 |