Top of main content

Fixed-rate Home Loan

Lock in your interest rate with a fixed-interest home loan

Get up to 100% off home loan arrangement fees

Need to borrow AED 350,000 or more? See how much you could save when you take out a new home loan or switch to HSBC before 31 August 2022. 

• 100% off arrangement fees for salaried UAE residents and switchers

• Up to 75% off arrangement fees for non-resident and self-employed customers1

• Approval in principle in 60 minutes, subject to providing satisfactory documentation2

Own your dream home in the city of the future

A new home can come with a long to-do list, but with a fixed-interest home loan you'll have one less thing to worry about for up to 5 years.

Your repayments will stay the same until the end date of the the fixed-rate period, even if interest rates change. Once the fixed-rate period is over, you'll automatically move to a 3-month EIBOR based variable rate for the rest of your mortgage term.

  • Fix your interest rate and your monthly repayments for 1, 2, 3 or 5 years.

  • Overpay up to 25% of your outstanding balance per calendar year without a fee – anything over 25% may incur an early settlement charge.

  • Get a 0.25% discount on your interest rate, if you’re buying a property that’s Platinum or Gold LEED certified with our Green Home Loan.

  • You don't need to be an HSBC customer to apply, we'll arrange an appropriate account for your repayments if we approve your loan.

  • Applying for an Approval in Principle takes on average just 60 minutes.

Not what you're looking for? View our home loans.

More about our Fixed-rate Home Loan

Take a closer look at the details about our fixed-interest loan, to see if it could be right for you.

Tools to help you choose


Learn more about our home loan rates and understand our fees.


Take a look at our guide to help you decide if buying or renting is for you.

Who can apply?

Before you apply for a Fixed-rate Home Loan, check that:

  • you're a UAE resident aged between 21 and 65 years and
  • you have a minimum monthly income of AED 15,000

UAE residents

If you're a UAE resident, we'll open an appropriate current account for you to make your home loan repayments, if you don't have one already.


If you live outside of the UAE, you may still be able to apply for a home loan to buy a property here. You'll need to be an HSBC Jade or Premier customer, or be eligible for an account for your home loan repayments.

If you do not keep up your repayments/payments, you may lose your property.

You may have to pay penalties if you pay off a loan/financing early.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit.

Find out how to apply

Investing in the UAE with us is straightforward, even if you're not a resident yet.

We recommend that you get an Approval in Principle first – we’ll explain how to do this over the phone when you request a call back. Then, we'll let you know what you’ll need to do for your home loan application.

If you're an HSBC Jade or Premier customer already, simply call your Relationship Manager to get started.

You might also be interested in

  Find out about our competitive EIBOR-mortgage interest rate, and see if it's right for you.  

Learn more about the Green Home Loan discount you could get on your interest rate.

  Discover our range of home loans, so that you could find what could be right for you.  
  Protect the home you love and your personal belongings with AXA Home insurance.  

Additional information

1Arrangement fee reduced to 0.25% of the home loan finance amount plus VAT (min. AED 5,000 plus VAT). Home loan Terms and ConditionsHSBC Personal Banking General Terms and Conditions, and Offer Terms and Conditions apply.

2Home Loan approval is in principle. It will be provided in 60 minutes after submitting satisfactory documentation to an HSBC Advisor during working hours between Monday to Friday, 08:00 to 16:00.

3AED 350,000 has to be maintained in deposits and/or investments within 24 months or if the mortgage is fully paid off before 24 months to avoid charges and discontinued service. You must successfully meet the Premier by mortgage eligibility criteria in order to take advantage of discounted fees and charges available to Premier customers. If you default on your home loan agreement, this may result in charges or discontinued service.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.