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Our products

  • New home loan

    With HSBC Home Loans, make memories in your new home and enjoy a range of exclusive benefits.

  • Fixed rate home loan

    Buying a home comes with a long to do list, HSBC's Fixed Interest Rate Home Loans gives you one less thing to worry about for up to 5 years.

  • Balance transfer

    Find out how much you can save by transferring your home loan to HSBC.

  • Last payment finance

    Take the weight off your shoulders with our Last Payment Finance. With attractive interest rates, make the process of financing your property a happy one.

A 2.39% p.a1 rate HSBC Mortgage gets you started, but it takes courage to commit to your future.

Benefit from a 100% arrangement fee waiver and one time valuation fee refund for Balance Transfer.


Rate offer valid from 13 December 2020 – 8 April 2021 (both days inclusive). Balance Transfer offer valid from 1 December 2020 – 8 April 2021 (both days inclusive).

Make sure that owning your dream home doesn't remain a dream. With HSBC Home Loans, make memories in your new home and enjoy a range of exclusive benefits.
  • free overpayments of up to 25% on the outstanding amount per calendar year
  • no salary transfer required


  • Competitive rates
    The EIBOR-mortgage interest rate is the 3-month EIBOR plus a fixed margin. The 3-month EIBOR rate is reviewed on a quarterly basis.
  • Over payments
    Save a significant amount of money with overpayments by reducing the overall amount of interest payable over the life of your loan. You can overpay with no redemption penalty subject to a minimum amount of AED25,000. Please note that overpayments can only be made on your usual repayment date. Please note that any amount deposited as an over payment can not be withdrawn later in the future. Overpayments must not total more than 25% of the total outstanding loan amount in any calendar year.
  • No salary transfer required
    With an HSBC Home Loan, there is no mandatory requirement to transfer your salary to us. You can continue holding your account with another bank and still be eligible for an HSBC Home Loan.
  • Home Loan calculator
    Whether you are in the market for a new home or want all the details about a Home Loan. The HSBC Home Loan calculator range features calculators that are simple to fill in and give you quick answers.
  • Home Loan repayments calculator
    Determine your monthly Home Loan repayments based on how much you need to borrow.
  • Last Payment Finance (LPF)
    Let us help with the financing of the last payment due to the developer upon completion of your purchased new build property. Last payment finance is permitted for newly constructed properties that are being handed over and purchased from the developer directly.

12.39% p.a. interest rate is the 3-month EIBOR plus a fixed margin. The 3-month EIBOR rate is reviewed on a quarterly basis.

Eligibility criteria

You can apply for an HSBC Home loan, if:

  • you are a UAE resident aged between 21 to 65 years and
  • you have a minimum monthly income of AED 15,000/-

If you reside outside the UAE, you may be eligible for a HSBC Home Loan provided you are an HSBC Premier Customer and meet our lending criteria.

Ready to apply for an HSBC Home Loan?

Frequently asked questions

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