• uae mortgage rate cuts - learn from Ricadi Mortgages
    Mortgage fees in UAE - Mortgage options in Abu Dhabi

    The Impact of UAE Mortgage Rate Cuts: What Homeowners and Buyers Need to Know in 2025

    October 27, 2025 - By 

    Introduction: The Winds of Change in UAE’s Mortgage Market In 2025, the UAE mortgage market is once again at a turning point. With the U.S. Federal Reserve signaling a rate cut of 25 basis points (bps) and the UAE’s EIBOR (Emirates Interbank Offered Rate) following suit, mortgage rates across the Emirates have begun to soften.For homebuyers and existing borrowers, this shift presents both a golden opportunity and a critical decision point: should you lock in a new low rate or refinance your current mortgage to save lakhs in interest? At Ricadi Mortgages, we’ve seen how every small basis point change…

  • 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…

  • Refinancing-a-Mortgage-in-the-UAE-Ricadi-mortgage
    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,…