• ultimate guide to mortgage success in the uae - learn from ricadi mortgages
    Mortgage Trends

    The Ultimate Guide to Mortgage Success in the UAE: How to Secure the Best Financing with Ricadi Mortgages

    September 22, 2025 - By 

    Buying a home is one of the biggest financial decisions you’ll ever make — especially in a dynamic real estate market like the UAE. Whether you’re a first-time buyer, expat, investor, or want to release equity in your current property, getting the right mortgage is essential. But the difference between a good mortgage and the best mortgage can mean tens or hundreds of thousands of AED over the life of the loan. In this comprehensive guide, you’ll discover: If you are genuinely ready to buy, finance, or optimize an existing mortgage — read on. This is for you. Table of…

  • Best mortgage options in dubai vs abu dhabi - Ricadi Mortgages
    Mortgage options in Abu Dhabi - Mortgage options in Dubai - Mortgage Trends

    Best Mortgage Options in Dubai vs. Abu Dhabi: What’s Right for You?

    September 12, 2025 - By 

    Best Mortgage Options in Dubai vs. Abu Dhabi The UAE has long been a dream destination for property buyers. From Dubai’s glittering skyline to Abu Dhabi’s serene waterfronts, each city offers unique opportunities. But when it comes to mortgages, the differences between Dubai and Abu Dhabi can influence your decision significantly. In this blog, we’ll break down the rules, rates, fees, and buyer profiles in each city. By the end, you’ll know exactly which mortgage option aligns with your financial goals — whether you’re an investor chasing returns or a family seeking stability. Quick Snapshot: Dubai vs. Abu Dhabi Mortgages…

  • how much mortgage can you afford in the UAE - Ricadi Mortgages
    Mortgage Trends

    How Much Mortgage Can You Afford in the UAE? Try This Formula

    September 8, 2025 - By 

    How Much Mortgage Can You Afford in the UAE? Try This Formula Buying a home in the UAE is one of the most exhilarating milestones for expats and residents alike. The glittering skyline of Dubai, the serene communities of Abu Dhabi, or the upcoming hotspots in Sharjah all invite you to invest, not just financially, but emotionally. Yet, the golden question remains: how much mortgage can you actually afford in the UAE?Unlike casual property browsing, mortgage affordability is bound strict regulations, formulas, and financial prudence. Get it right, and you unlock your dream villa or apartment. Get it wrong,…

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    Mortgage Trends

    Refinancing a Mortgage in UAE: When Does It Make Sense?

    August 14, 2025 - By 

    Refinancing a Mortgage in UAE – Let us Understand! Introduction: The Financial Crossroads of Homeownership in the UAE Owning a home in the UAE is not just a milestone—it’s an investment in one of the world’s most vibrant real estate markets. But as global interest rates fluctuate and personal financial goals evolve, many homeowners find themselves asking: Should I refinance my mortgage? Mortgage refinancing in the UAE has become increasingly popular among savvy homeowners who want to reduce their monthly payments, access equity, or secure more favorable terms. Yet, refinancing is not always the golden ticket; it requires careful analysis…

  • top 5 uae banks mortgage rates in 2025 - Ricadi Mortgages
    Mortgage Trends

    Top 5 UAE Banks with the Best Mortgage Rates in 2025

    August 9, 2025 - By 

    The UAE mortgage market is highly competitive and closely tied to global and Central Bank policies. With the dirham pegged to the US dollar, local mortgage rates tend to follow US Fed trends.  Experts in late 2024 forecast up to a 1% drop in UAE lending rates as the Fed eases, making borrowing cheaper for homebuyers. Currently, advertised UAE mortgage rates span roughly 2.99%–4.99% (depending on loan type and tenure). Many banks offer both conventional and Shariah-compliant (Islamic) mortgages: in the latter, the bank buys the home and sells or leases it to you without charging interest (riba). For example,…

  • fixed rate vs variable rates in UAE - 2025 mortgage insights UAE
    Mortgage Trends

    Fixed vs Variable Mortgage Rates in UAE: Which One Should You Choose?

    August 6, 2025 - By 

    The UAE mortgage market in 2025 is more dynamic and competitive than ever, especially for first-time homebuyers, seasoned investors, and expats alike. One of the most pivotal decisions you will make when financing a property is choosing between a fixed or variable mortgage rate.  With global interest rates fluctuating, UAE Central Bank policies evolving, and lenders offering flexible packages, understanding this difference isn’t just financial literacy—it’s strategic decision-making. In this definitive guide about mortgage, we’ll break down everything you need to know about fixed vs. variable mortgage rates in the UAE, backed 2025’s latest market insights. Whether you’re searching…

  • can UAE expat get mortgage without salary certificate - ask Ricadi Mortgage
    Mortgage for Expats - Mortgage Trends

    Can UAE Expats Get a Mortgage Without a Salary Certificate in 2025? [Complete Guide]

    July 31, 2025 - By 

    Short Answer: Yes — but you need the right documents, lender, and expert support. Introduction: The New-Age Homebuyer in the UAE As the UAE continues to attract entrepreneurs, freelancers, digital nomads, and consultants from around the world, the question of property ownership is no longer reserved for salaried employees alone. Many expats dream of owning a home in Dubai, Abu Dhabi, or Sharjah — but often get discouraged when faced with traditional banking requirements. One of the most common roadblocks? “I don’t have a salary certificate — can I still get a mortgage?” In this guide, we explain how it’s…

  • Mortgage Trends

    Latest Property Mortgage Trends in the UAE – July 2025

    July 10, 2025 - By 

    Rising Demand for Fixed-Rate Mortgages In the first half of 2025, UAE banks have witnessed a sharp uptick in demand for fixed-rate mortgage products. With global interest rates showing signs of volatility, homebuyers are opting for fixed plans to ensure long-term stability. Why is this important?With fixed rates, you lock in your monthly repayments, protecting yourself from future rate hikes. Explore your options with Ricadi’s expert advisors. New Regulations Encouraging Home Ownership The UAE Central Bank has recently updated guidelines to improve mortgage accessibility: This is a major win for young professionals and expats who previously found down payment requirements…