Islamic Home Finance Rates
Islamic home finance, at current profit rates.
The lowest profit rates we see now on our bank panel for Shariah compliant home finance. They are not an approval: the bank sets your rate after reviewing your file, and a mortgage specialist can tell you what you are likely to get.
Every buyer type, Shariah compliant.
Indicative rates, verified by TLT Operations Team from our partner banks' updates. The bank decides your rate. How We Verify Rates
Last checked
Fixed Rates
On , the lowest fixed profit rate we see is 3.75%, fixed for 1 year, for a Salaried Resident.
| Buyer Type | Profit Rate | Fixed For | After the Fixed Period | Minimum | Enquire |
|---|---|---|---|---|---|
| 3.75% | 1 year | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 3.99% | Enquire Now | |
| 4.10% | 3 years | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 2.99% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now |
On , the lowest fixed profit rate we see is 3.75%, fixed for 1 year, for a Salaried Resident.
| Buyer Type | Profit Rate | Fixed For | After the Fixed Period | Minimum | Enquire |
|---|---|---|---|---|---|
| 3.75% | 1 year | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 3.99% | Enquire Now | |
| 4.10% | 3 years | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 2.99% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now |
Variable Rates
On , the lowest variable profit rate we see is 4.67%, which is 0.35% plus 3-month EIBOR. It moves with EIBOR, but never below the minimum rate in the offer.
| Buyer Type | Profit Rate | Type | Margin over EIBOR | Minimum | Enquire |
|---|---|---|---|---|---|
| 4.67% | Variable | 0.35% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 4.77% | Variable | 0.45% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 5.78% | Variable | 1.69% + 1-month EIBOR | Minimum 4.49% | Enquire Now | |
| 5.78% | Variable | 1.69% + 1-month EIBOR | Minimum 4.49% | Enquire Now |
On , the lowest variable profit rate we see is 4.67%, which is 0.35% plus 3-month EIBOR. It moves with EIBOR, but never below the minimum rate in the offer.
| Buyer Type | Profit Rate | Type | Margin over EIBOR | Minimum | Enquire |
|---|---|---|---|---|---|
| 4.67% | Variable | 0.35% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 4.77% | Variable | 0.45% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 6.21% | Variable | 1.89% + 3-month EIBOR | Minimum 2.24% | Enquire Now | |
| 6.21% | Variable | 1.89% + 3-month EIBOR | Minimum 2.24% | Enquire Now |
Self-Employed
On , the lowest fixed profit rate we see for a self-employed buyer is 4.10%, fixed for 3 years, for a Self-Employed Resident.
| Buyer Type | Profit Rate | Term | After the Fixed Period, or Margin | Minimum | Enquire |
|---|---|---|---|---|---|
| 4.10% | 3 years | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 2.99% | Enquire Now | |
| 4.77% | Variable | 0.45% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now | |
| 5.78% | Variable | 1.69% + 1-month EIBOR | Minimum 4.49% | Enquire Now |
On , the lowest fixed profit rate we see for a self-employed buyer is 4.10%, fixed for 3 years, for a Self-Employed Resident.
| Buyer Type | Profit Rate | Term | After the Fixed Period, or Margin | Minimum | Enquire |
|---|---|---|---|---|---|
| 4.10% | 3 years | then 1.75% + 3-month EIBORcurrently 6.07% | Minimum 2.99% | Enquire Now | |
| 4.77% | Variable | 0.45% + 3-month EIBOR | Minimum 2.25% | Enquire Now | |
| 4.19% | 3 years | then 1.89% + 3-month EIBORcurrently 6.21% | Minimum 2.24% | Enquire Now | |
| 6.21% | Variable | 1.89% + 3-month EIBOR | Minimum 2.24% | Enquire Now |
None of these fit your case? We check the whole bank panel for you.
Enquire NowOur partner banks send us their rate updates. The TLT Operations Team keeps our product records current, the same records our specialists use for client proposals. These are not an offer or an approval.
Five things a bank prices.
| How You Are Paid | Salaried and self-employed income is read differently, and priced differently. |
|---|---|
| Where You Live | Residents, non-residents and UAE Nationals each see their own offers. |
| How Much You Borrow | The share of the property value you borrow, and the size of the loan. |
| How Long You Fix | A longer fixed period buys certainty, and is usually priced for it. |
| EIBOR | After the fixed period, or from the start on a variable rate, your rate is a margin plus EIBOR. |
About these rates.
Are these rates offers?
No. They are indicative rates from our bank panel. The bank decides the final rate after it assesses your income, the property and your file.
Why do you not show the bank?
We publish the rate so you can compare. To learn which bank is behind it and see the full offer, enquire about the rate and a specialist will take you through it.
What happens when the fixed period ends?
A fixed rate moves to a variable rate: a set margin plus EIBOR for a stated tenor, which resets as EIBOR changes. Where the offer has a minimum rate, it never goes below it.
What is the minimum rate?
It is the floor in the offer. However far EIBOR falls, the variable rate does not go below it.
How often do these rates change?
A rate changes when one of our partner banks sends us an update and the TLT Operations Team updates our records. This page checks those records several times a day and shows when it last checked.
Is an Islamic profit rate the same as an interest rate?
It is priced in a similar way and shown the same way here, but the finance is structured to be Shariah compliant. Every rate on this page is a profit rate.
Found your row? Ask who offers it.
Tell us your case in sixty seconds. A specialist names the bank, shows the full offer and checks it fits.