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:
- Increased loan-to-value (LTV) ratios for first-time buyers
- Reduced early settlement fees
- Easier approval process for salaried and self-employed expats
This is a major win for young professionals and expats who previously found down payment requirements too steep. Check our eligibility calculator to see how much you can borrow.
Dubai and Abu Dhabi Remain Hotspots
Dubai continues to dominate the market with high-end developments in Dubai Marina, Business Bay, and Jumeirah Village Circle (JVC). Abu Dhabi is also gaining ground with affordable family housing communities and off-plan investments offering flexible mortgage tie-ins.
Ricadi Mortgages provides tailored mortgage solutions for both emirates. View our mortgage services to get started.
Expats Driving Mortgage Applications
Expats now represent over 75% of all new mortgage applications in Q2 2025. Factors influencing this include:
- Long-term visas offering stability
- Strong rental yields incentivizing property ownership
- More banks accepting foreign income documentation
If you’re an expat, see our guide to getting a mortgage in the UAE.
Key Takeaways for July 2025
- Fixed-rate mortgages are in high demand for long-term savings
- New buyer-friendly regulations boost eligibility
- Expat-friendly banking policies are unlocking market potential
- Ricadi Mortgages is your trusted partner for property financing in the UAE
Ready to Buy in the UAE?
Let our team guide you through the mortgage process, from eligibility checks to final approvals.
👉 Contact us today for a free consultation
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