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.
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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.
How it works
Loan to Value
Our mortgage advisers
HSBC Premier with your home loan
Last payment finance
Home loan documents
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
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
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1AED 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.