ADCB (Abu Dhabi Commercial Bank) Mortgage
Major UAE bank offering competitive mortgage rates with strong support for both UAE residents and expats.
Key Terms & Rates
Interest Rate Range
4.35%–5.95%
Fixed & variable options
Maximum LTV
80%
Loan-to-value cap
Processing Fee
AED 2,000
One-time application fee
Pre-Approval Timeline
7d
For salaried professionals
Minimum Salary
AED 4,500
Typical requirement
Early Settlement
No penalty after 2 years
Prepayment terms
Islamic Options
Yes
Sharia-compliant products
Status
Active & Competitive
Updated April 2026
Strengths
- ✓Competitive fixed rates for 3–5 year terms
- ✓Excellent customer service and relationship management
- ✓Strong Islamic banking division
- ✓Good approval rates for mid-market properties
Weaknesses
- ✗Slower pre-approval process than Emirates NBD
- ✗Less flexible for non-standard income types
- ✗Premium charges for late payments
Application & Approval Process
Pre-Approval Steps
- 1. Complete online/branch application with ID, salary certificate and bank statements
- 2. Bank verifies employment and credit history (2–3 business days)
- 3. Property valuation requested once property identified (1–2 days)
- 4. Final approval issued within 7 days total
Required Documentation
- • Valid passport & residency visa
- • Last 3 months' salary slips
- • Last 6 months' bank statements
- • Employment letter on company letterhead
- • Property-specific documents (once identified)
- • Proof of down payment source
Timeline to Disbursement
Pre-approval: 7 days. Full approval: +7–10 days post-contract. Disbursement: +2–5 days after final approval and title registration.
Ready to Apply?
Our team can help you prepare your application, compare final offers and negotiate rates with ADCB (Abu Dhabi Commercial Bank)and competing lenders. Get your pre-approval in hand before your property search.