ADCB Home Loans
Info CheckedMortgage Brokers
Sheikh Zayed Road, Dubai
About
Abu Dhabi Commercial Bank (ADCB) is one of the UAE's top-tier banks, offering a comprehensive home loan programme through dedicated Mortgage Centres across Dubai and Abu Dhabi. As a direct lender with AED 500B+ in total assets, ADCB provides the financial strength and institutional stability that borrowers seek for long-term mortgage commitments.
ADCB's mortgage products are designed for convenience and flexibility, with a streamlined application process and dedicated Mortgage Service Desk that provides personalised support throughout. Their Home Saver product is particularly innovative, allowing borrowers to offset savings against their mortgage balance to reduce interest costs.
Mortgage Services
- Standard mortgage loans with competitive fixed and variable rates
- Home Saver mortgage — offset savings against your loan balance
- Mortgage refinancing and buyout from other banks
- Islamic home finance through ADCB Islamic Banking
- Construction finance for build-your-own projects
- Non-resident mortgage solutions
Bank Partnerships
ADCB is a direct lender. All home loans are originated and funded directly by ADCB. Their dedicated Mortgage Centres offer a convenient, seamless, and stress-free home buying experience without intermediary involvement.
Key Differentiators
- Innovative Home Saver product — offset your savings to reduce mortgage interest
- Dedicated Mortgage Service Desk on 04 310 6851 for personalised support
- Both conventional and Islamic home finance options under one roof
- Construction finance available for custom-build villa projects
Services Offered
Key services ADCB Home Loans provides for mortgage brokers clients in Dubai:
Why Choose ADCB Home Loans
- Direct lender, not a broker — Abu Dhabi Commercial Bank lends its own home-loan products, so you deal with the bank that holds the mortgage.
- One of the UAE's largest banks — formed in 1985 and among the country's top banks by assets, regulated by the Central Bank of the UAE.
- Conventional and Islamic options — choose a standard mortgage or Sharia-compliant home finance through ADCB Islamic Banking.
- Finance for residents and non-residents — UAE nationals, expat residents and overseas buyers are all catered for, with ready, under-construction and off-plan properties covered.
- Digital pre-approval — instant online mortgage pre-approval through the Bayut–ADCB Dream Home platform.
- Flexible repayment — hybrid or variable rates and the option of partial settlement during the loan term.
How ADCB Home Loans Works
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1
Get pre-approved
Apply for a mortgage pre-approval directly with ADCB or instantly online via the Bayut–ADCB Dream Home platform to confirm your budget before house-hunting.
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2
Choose your property and product
Select your home and an ADCB product — Standard Mortgage, Home Saver, Green Home Loan or Islamic Home Finance — and choose a hybrid or variable rate structure.
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3
Property valuation and documents
ADCB arranges a property valuation and reviews your income, identity and property documents to confirm financing terms.
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4
Offer, insurance and disbursal
On approval you receive a final offer; life and property insurance are arranged, the mortgage is registered, and funds are disbursed to complete the purchase.
Business Profile
Hours and pricing may change — confirm directly with the business before engaging.
Licenses & Certifications
Licenses and certifications are subject to renewal. Verify current status with the issuing authority before engagement.
Frequently Asked Questions
How much can I borrow for a home loan with ADCB?
ADCB offers financing of up to 85% of the property value for UAE nationals, up to 80% for expatriate residents and up to 50% for non-residents. Actual financing depends on the property, your income and Central Bank lending rules.
What loan tenor does ADCB offer on a mortgage?
Repayment tenor is up to 25 years for UAE nationals and expatriate residents, and up to 15 years for non-residents.
Can non-residents get a mortgage from ADCB?
Yes. ADCB finances non-resident buyers, typically up to 50% of the property value with a tenor of up to 15 years, on both its conventional and Islamic home-finance products.
Does ADCB offer Islamic (Sharia-compliant) home finance?
Yes. ADCB Islamic Banking offers Sharia-compliant Home Finance, Home & Construction Finance and Green Home Finance, for which property Takaful and life Takaful cover are required for the duration of the facility.
Can I finance an off-plan or under-construction property with ADCB?
Yes. ADCB finances under-construction and off-plan properties; for off-plan, the pre-approval can be maintained and renewed through to handover, when it transitions to a full mortgage at prevailing rates. For under-construction homes you can choose to pay interest only or the regular instalment during construction.
What is the difference between fixed and variable mortgage rates at ADCB?
ADCB offers a hybrid structure (a fixed rate for the initial years that then becomes variable) and a variable-rate structure based on the relevant EIBOR plus a margin. Under current Central Bank rules, banks also require life and property insurance on the mortgaged home.
What are the typical upfront costs of a mortgage in the UAE?
In addition to your down payment, expect a Dubai Land Department mortgage registration fee of 0.25% of the loan amount plus AED 290, a property valuation fee (typically around AED 2,500–3,500), and a bank arrangement fee (typically about 1% of the loan). These are general market figures, not ADCB-quoted prices — confirm current costs with the bank.
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