Buying a home in the UAE remains one of the most empowering financial decisions for residents and investors alike. But what often surprises even seasoned buyers is that the “mortgage rate” alone doesn’t define the true cost of homeownership. Beneath the surface lies a complex structure of fees, expenses, and bank-linked charges that, if misunderstood, can quietly inflate your total borrowing cost tens of thousands of dirhams. At Ricadi Mortgages, we believe that clarity creates confidence. In this comprehensive guide, we break down every component that contributes to the real cost of a mortgage in the UAE — updated…