Several UAE banks currently offer Shariah-compliant home finance, including Emirates Islamic, Dubai Islamic Bank (DIB), and Abu Dhabi Islamic Bank (ADIB). Available products can differ by applicant type, property, financing structure, eligibility criteria, fees and pricing. Because products and terms can change, applicants should verify the latest information directly with each provider before applying.
Which Banks Offer Islamic Mortgages in the UAE?
If you are searching for an Islamic mortgage in the UAE, you will find several banks offering Shariah-compliant home finance solutions.
Examples of providers with currently published home-finance offerings include:
- Emirates Islamic
- Dubai Islamic Bank
- Abu Dhabi Islamic Bank
These providers offer different home-finance products for eligible customers. Some also publish options for expatriates, UAE nationals, non-residents, off-plan properties, existing homeowners, or specific government housing programmes.
The availability of a particular product does not mean every applicant will qualify. Eligibility, property requirements, financing amount, down payment, income criteria, fees and contractual terms depend on the provider and individual circumstances.
Emirates Islamic Home Finance
Emirates Islamic currently advertises Shariah-compliant home finance for property purchases in the UAE. Its published Manzili Home Finance information includes financing for eligible customers and options for ready and near-ready properties. The bank states that its home finance can use an Ijarah Muntahiya Bittamlik structure, where the bank purchases the property and leases it to the customer, with ownership transferring according to the agreed contractual arrangements after fulfilment of the relevant obligations.
Its current published information also includes home finance for UAE nationals and expatriates, subject to eligibility and valuation criteria. Emirates Islamic states that financing can be up to 80% of property value for expatriates and up to 85% for UAE nationals on its current Manzili Home Finance page, subject to its conditions.
Applicants should check the latest product page for current profit rates, fees, documentation and eligibility before applying.
Dubai Islamic Bank Home Finance
Dubai Islamic Bank offers several home-finance solutions through its DIB Home division.
Its published offerings include home finance for properties across all seven Emirates, first-time buyer solutions, off-plan finance, government housing programmes, existing-homeowner solutions and a non-resident programme.
DIB’s MyHome product specifically provides Ijarah home finance and publishes Shariah certificates for Ijarah and other property-finance structures. Its current information also describes variable and fixed-rate options under specified products and terms.
DIB also currently publishes a non-resident home-finance programme, with an Ijarah structure for eligible customers purchasing UAE property.
In August 2026, DIB also announced a new Shariah-compliant off-plan home-finance proposition for eligible UAE nationals, residents and non-residents, with financing of up to 50% of property value under the published product conditions.
Abu Dhabi Islamic Bank Home Finance
Abu Dhabi Islamic Bank (ADIB) also offers Islamic home-finance solutions in the UAE.
Its current home-finance range includes options for buying a house, non-resident finance, finance against property, under-construction finance and other property-related solutions.
ADIB’s published home-finance information indicates that eligible UAE nationals and expatriates can access certain home-finance products, while separate criteria may apply to self-employed and non-resident customers.
ADIB also publishes product-specific profit-rate information. For example, its current “Buy a House” page advertises a particular fixed-rate offer, but applicants should treat such figures as product-specific and time-sensitive, rather than assuming the same rate applies to every applicant or product.
Islamic Mortgage Bank Comparison
| Provider | Islamic Home Finance | Structure/Product Information | Customer Categories | Key Factors to Check |
| Emirates Islamic | Yes | Ijarah Muntahiya Bittamlik | UAE nationals, eligible residents and other qualifying applicants | Eligibility, property, FTV, profit rate, fees |
| Dubai Islamic Bank | Yes | Ijarah and other published Shariah structures | Residents, nationals and non-residents for relevant products | Product type, property, profit rate, documents |
| ADIB | Yes | Product-specific Islamic home finance | Nationals, expatriates and non-residents for relevant products | Eligibility, property, pricing, fees |
Note: Product availability, pricing, eligibility and terms can change. Always verify the current official product information before applying.
What Is Islamic Home Finance?
An Islamic mortgage, commonly referred to as Islamic home finance, is structured according to Islamic finance principles rather than a conventional interest-based lending model.
The exact contractual structure depends on the product.
Common structures include Ijarah, Murabaha and Diminishing Musharakah, although not every provider uses all three.
The important point is that applicants should understand the actual contracts, ownership arrangements, payment obligations and Shariah documentation associated with the specific product.
What Is Ijarah Home Finance?
Ijarah is a lease-based structure used by some UAE Islamic banks for home finance.
For example, DIB describes its home finance as an Ijarah arrangement in which the bank leases the property to the customer for an agreed period, with the title transferred according to the applicable Shariah-compliant documents after the relevant obligations are completed.
Emirates Islamic similarly describes its home finance as an Ijarah Muntahiya Bittamlik structure, with rental payments incorporating the property’s cost and the bank’s profit margin according to the agreed arrangement.
What Is Murabaha Home Finance?
Murabaha is generally a cost-plus sale structure.
Under the arrangement, the relevant asset is purchased and sold at a disclosed cost plus an agreed profit according to the contract.
The exact implementation can differ between products and institutions. DIB, for example, currently publishes Shariah certificates relating to Murabaha property-finance products.
What Is Diminishing Musharakah?
Diminishing Musharakah is based on shared ownership.
The customer and provider participate in ownership of the property, and the customer’s ownership share can increase over time according to the agreed contractual arrangement.
Applicants should check whether a particular bank currently offers this structure for residential home finance rather than assuming it is available from every Islamic bank.
Can Expats Get an Islamic Mortgage in the UAE?
Yes, Islamic home finance can be available to eligible expatriates in the UAE.
However, eligibility varies between products. Providers may assess:
- Monthly income
- Employment status
- Residency
- Credit profile
- Existing financial commitments
- Down payment
- Property value
- Property location
- Finance tenure
- Applicant age
For example, Emirates Islamic currently publishes separate finance-to-value information for UAE nationals and expatriates, while ADIB publishes eligibility criteria for nationals and expatriates on specific home-finance products.
Non-residents should check specifically for products that accept non-resident applicants. Both DIB and ADIB currently publish non-resident home-finance options.
What Documents Are Needed for Islamic Home Finance?
The exact checklist depends on the provider and applicant.
Common documents may include:
- Passport
- Emirates ID
- UAE residence visa, where applicable
- Salary certificate
- Payslips
- Bank statements
- Employment documents
- Business documents for self-employed applicants
- Property documents
- Down-payment evidence
- Existing liability information
Additional documentation may be requested during affordability, credit, compliance or property checks.
For Islamic home finance, applicants should also review the relevant Shariah documentation and financing contracts.
How Should You Compare Islamic Mortgage Banks?
Choosing an Islamic home-finance provider involves more than comparing an advertised profit rate.
Consider the following:
1. Islamic Finance Structure
Understand whether the product uses Ijarah, Murabaha, Diminishing Musharakah or another structure.
2. Total Cost
Consider the overall financial obligation rather than focusing only on the monthly payment.
3. Profit or Rental Arrangement
Understand whether the payment is fixed, variable, linked to a benchmark, or subject to periodic review.
4. Fees
Check processing, valuation, registration, early settlement and other applicable charges.
5. Down Payment
Compare the required customer contribution and applicable finance-to-value limits.
6. Property Eligibility
Check whether the provider finances your specific property type, location and development.
7. Applicant Eligibility
Review requirements for residents, expatriates, non-residents, salaried applicants and self-employed customers.
8. Early Settlement
Understand what happens if you want to settle or restructure the finance before the scheduled maturity date.
9. Shariah Documentation
Review the relevant Shariah certificates, contracts and explanations provided with the product.
What Should You Check Before Applying?
Before submitting an Islamic mortgage application, create a simple checklist:
- Confirm the provider currently offers the relevant product.
- Check whether you meet the eligibility criteria.
- Confirm the property is eligible.
- Calculate your available down payment.
- Review your existing financial commitments.
- Prepare income and bank documents.
- Understand the Islamic finance structure.
- Compare total costs and applicable fees.
- Review early settlement conditions.
- Read the key facts and financing agreement.
- Verify current terms directly with the provider.
Remember that a published product does not mean automatic approval. The provider will assess each application according to its current policies and eligibility criteria.
Frequently Asked Questions
1. Which banks offer Islamic mortgages in the UAE?
Current official provider information confirms Islamic home-finance offerings from banks including Emirates Islamic, Dubai Islamic Bank and Abu Dhabi Islamic Bank. Other licensed institutions may also offer relevant products, so availability should be checked using current official sources.
2. Can expats apply for Islamic home finance in the UAE?
Yes, eligible expatriates can access certain Islamic home-finance products in the UAE. However, requirements such as income, residency, property type, down payment and credit criteria vary by provider and product.
3. What is the difference between Islamic home finance and a conventional mortgage?
Islamic home finance is structured according to Shariah principles and may use arrangements such as Ijarah, Murabaha or Diminishing Musharakah. Conventional mortgages generally use a loan structure involving interest. The exact contractual and payment arrangements should be reviewed for each product.
4. What documents are needed for an Islamic mortgage application?
Applicants may commonly need identification, residency documents where applicable, proof of income, bank statements, employment or business documents, and property-related documents. Additional documents can be requested depending on the provider and applicant.
5. How should I compare Islamic mortgage banks in the UAE?
Compare the Islamic finance structure, total cost, profit or rental arrangement, fees, down payment, property eligibility, applicant criteria, early settlement terms and relevant Shariah documentation. Avoid comparing providers based only on an advertised rate or monthly payment.
