• 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…