FAB revises LTV limits — transition rules for in-progress applications

First Abu Dhabi Bank (FAB) has revised its LTV limits with effect from 1 April 2026. The headline change matters — but the transition rules matter more if you are mid-application.

What changed

FAB’s LTV limits have been revised. The bank has confirmed that:

• Applications for which the valuation fee was paid before 31 March 2026, or
• Applications that hold a valid, unexpired final sanction approval,

…will be disbursed under the existing (previous) policy norms — provided the disbursement is completed by 25 April 2026 at the latest.

Who this affects

The grandfathering window is the key takeaway. If your FAB application is in-progress and you have either paid a valuation fee or hold an unexpired sanction, you can still complete under the older (typically more favourable) LTV norms — but only if disbursement happens before 25 April 2026.

Anyone applying fresh from now on will be assessed under the new framework.

What to do next

If you have a live FAB application, get a clear answer from your relationship manager today on which framework applies to your case — and whether disbursement will realistically complete before 25 April. If it is going to slip, the new LTV terms apply and you should re-evaluate against the latest market alternatives.