• 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,…

  • 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…